FL mortgage rates

Nassau County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Nassau County, Florida. 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

Nassau 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$580,750
2 units$743,450
3 units$898,700
4 units$1,116,850

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 Nassau 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 Nassau

A local view of the market.

Nassau County, FL, has a thriving real estate market, with median home values around $625,000 in 2024. Known for its coastal and suburban areas, it attracts families, retirees, and beach lovers. Fernandina Beach, the largest city with a population of around 13,000, is known for its historic downtown and coastal beauty. Nassau County offers a suburban-coastal lifestyle with an economy based on tourism, retail, and healthcare. Its scenic beaches, family-friendly communities, and proximity to Jacksonville make it popular among residents looking for a balance of suburban amenities and beach access.

County snapshot

Market context.

FL

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

Market areaJacksonvilleMapped market area
Area code27260CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Nassau County

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

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