IL mortgage rates

Rock Island County

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

Rock Island 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 Rock Island 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 Rock Island

A local view of the market.

Rock Island County, IL, has a stable real estate market, with median home values around $154,000 in 2024. Known for its location along the Mississippi River, it attracts families, professionals, and retirees. Rock Island, the county seat, has a population of about 37,000, offering a mix of shopping, dining, and historical attractions. Moline and East Moline are also key cities with suburban amenities. Rock Island County offers an urban-rural mix, with an economy based on manufacturing, healthcare, and education. Its proximity to the Quad Cities, cultural amenities, and affordable housing make it ideal for various lifestyles.

County snapshot

Market context.

IL

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

Market areaDavenport-Moline-Rock IslandMapped market area
Area code19340CBSA / MSA reference
Featured communitiesMoline · East Moline · Rock IslandFrom the county record
Data year2026Aligned with this limit record
MolineEast MolineRock Island
Top cities & communities

Communities to explore.

MolineEast MolineRock Island
Questions & Answers

Refinancing in Rock Island County

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

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