NM mortgage rates

San Juan County

Clear, current 2026 mortgage and refinance loan limits for homeowners in San Juan County, New Mexico. 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

San Juan 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 San Juan 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

Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About San Juan

A local view of the market.

The real estate market in San Juan County, New Mexico, has seen a significant increase in home values. As of October 2024, the median listing home price was $377,400, marking a 16.1% rise from the previous year. This upward trend reflects a growing demand in the area, with the median price per square foot reaching $179. San Juan County encompasses several notable cities, with Farmington being the largest. Farmington has a population of approximately 44,372 and serves as a central hub for the region. Other key cities include Aztec, with a population of around 6,763, and Bloomfield, which has about 7,817 residents. These cities contribute significantly to the county's economic and cultural landscape. Living in San Juan County offers a blend of rural and suburban experiences. The area is known for its agricultural activities, with farming playing a vital role in the local economy. Additionally, the county's top industries include energy production and healthcare. The real estate market attracts individuals seeking a quieter lifestyle with access to outdoor recreational activities, making it an appealing destination for those looking to relocate from more urbanized areas.

County snapshot

Market context.

NM

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

Market areaFarmingtonMapped market area
Area code22140CBSA / MSA reference
Featured communityFarmingtonFrom the county record
Data year2026Aligned with this limit record
Farmington
Top cities & communities

Communities to explore.

Farmington
Questions & Answers

Refinancing in San Juan County

Common questions about 2026 loan limits and refinancing opportunities in New Mexico.

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