IL mortgage rates

Moultrie County

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

Moultrie 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 Moultrie 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 Moultrie

A local view of the market.

Moultrie County, IL, has a stable real estate market, with median home values around $156,000 in 2024. Known for its small-town appeal and open landscapes, it attracts families and retirees. Sullivan, the county seat, has a population of around 4,500, offering small-town amenities, local dining, and parks. Lovington and Bethany add to the rural appeal. Moultrie County is largely rural, with an economy based on agriculture, manufacturing, and small businesses. Its affordability, quiet lifestyle, and strong community make it ideal for those seeking rural living with a sense of community.

Questions & Answers

Refinancing in Moultrie County

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

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