FL mortgage rates

St. Johns County

Clear, current 2026 mortgage and refinance loan limits for homeowners in St. Johns 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

St. Johns 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 St. Johns 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 St. Johns

A local view of the market.

St. Johns County, FL, has a strong real estate market, with median home values around $590,000 in 2024. Known for its historic sites and coastal areas, it attracts families, retirees, and professionals. St. Augustine, with a population of around 15,000, is known for its historic architecture and vibrant culture, while Ponte Vedra Beach is known for its luxury coastal living. St. Johns County offers a suburban-coastal lifestyle with an economy focused on tourism, healthcare, and education. Its excellent schools, historic charm, and scenic beaches make it popular among families and retirees seeking an upscale lifestyle.

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 St. Johns County

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

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