IL mortgage rates

Jo Daviess County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Jo Daviess County, Illinois. Use the verified baseline numbers below to calculate your refinance payment, evaluate your home equity, and monitor when rate alerts make refinancing advantageous.

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2026 limits

2026 Mortgage Loan Limits

Jo Daviess County

Conforming Loan Limits

Per property
1 unit$832,750
2 units$1,066,250
3 units$1,288,800
4 units$1,601,750

FHA Loan Limits

Per property
1 unit$541,287
2 units$693,050
3 units$837,700
4 units$1,041,125

Source: Official Federal Housing Finance Agency (FHFA) and HUD loan limit schedules. Conforming data represents conventional maximums. Last synchronized: 2026 update cycle.

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Refinance Payment Estimate

Estimate Your Refinance in Jo Daviess County

Use your current mortgage details to estimate a new refinance payment and potential monthly savings.

Estimated New Monthly Payment$2,528Principal & interest only
Home value − mortgage balance
Mortgage balance ÷ home value
Added to the proposed new loan
Proposed New Loan Amount$400,000
Estimated New Payment$2,528
Estimated Monthly SavingsAdd current rate
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Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Jo Daviess

A local view of the market.

Jo Daviess County, IL, has a stable real estate market, with median home values around $335,000 in 2024. Known for its historic charm and scenic landscapes, it attracts families, retirees, and tourists, particularly in Galena. Galena, the county seat, has a population of around 3,000 and is famous for its well-preserved 19th-century buildings and vibrant tourism. Other towns like Elizabeth and Hanover offer small-town atmospheres. Jo Daviess County is rural and scenic, with an economy based on tourism, agriculture, and small businesses. The county's historic appeal, rolling hills, and strong sense of community make it ideal for those seeking beauty and tranquility.

Questions & Answers

Refinancing in Jo Daviess County

Common questions about 2026 loan limits and refinancing opportunities in Illinois.

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