IL mortgage rates

Madison County

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

Madison 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 Madison 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 Madison

A local view of the market.

Madison County, IL, has a stable real estate market, with median home values around $200,000 in 2024. Located within the St. Louis metropolitan area, it attracts families, professionals, and retirees seeking suburban living. Edwardsville, the county seat, has a population of about 25,000, offering shopping, dining, and a university. Alton and Granite City are also prominent cities with urban amenities. Madison County offers a suburban-urban mix, with an economy based on healthcare, education, and manufacturing. Its proximity to St. Louis and suburban amenities make it ideal for families and commuters.

County snapshot

Market context.

IL

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

Market areaSt. LouisMapped market area
Area code41180CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Madison County

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

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