IL mortgage rates

Marion County

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

Marion 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 Marion 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 Marion

A local view of the market.

Marion County, IL, has a modest real estate market, with median home values around $150,000 in 2024. Known for its affordability and rural charm, it attracts families and retirees in southern Illinois. Salem, the county seat, has a population of about 7,300, offering local shops and dining. Centralia, partly in the county, is another key city with around 13,000 residents. Marion County is rural, with an economy based on agriculture, small businesses, and light industry. Its affordability and community-centered living make it appealing for those seeking a quiet lifestyle.

County snapshot

Market context.

IL

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

Market areaCentraliaMapped market area
Area code16460CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Marion County

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

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