IL mortgage rates

Livingston County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Livingston 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

Livingston 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 Livingston 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 Livingston

A local view of the market.

Livingston County, IL, has an affordable real estate market, with median home values around $165,000 in 2024. Known for its farming communities and rural lifestyle, it attracts families and retirees seeking quiet, affordable living. Pontiac, the county seat, has a population of about 11,000, offering shops, dining, and local attractions. Other towns like Fairbury add to the area’s rural charm. Livingston County is rural, with an economy based on agriculture, manufacturing, and local businesses. Its affordability and community-oriented atmosphere make it ideal for families and retirees.

County snapshot

Market context.

IL

Public location data associated with this county record. Optional fields are shown only when present in the source.

Market areaPontiacMapped market area
Area code38700CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Livingston County

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

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