IL mortgage rates

Stephenson County

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

Stephenson 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 Stephenson 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 Stephenson

A local view of the market.

Stephenson County, IL, has a stable real estate market, with median home values around $150,000 in 2024. Known for its agricultural roots and historic architecture, it attracts families and retirees. Freeport, the county seat, has a population of about 24,000, offering shops, dining, and historical sites. Other communities like Lena add to the rural charm. Stephenson County is rural, with an economy based on agriculture, manufacturing, and healthcare. Its affordability, history, and strong community make it ideal for those seeking a traditional, family-oriented lifestyle.

County snapshot

Market context.

IL

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

Market areaFreeportMapped market area
Area code23300CBSA / MSA reference
Featured communityFreeportFrom the county record
Data year2026Aligned with this limit record
Freeport
Top cities & communities

Communities to explore.

Freeport
Questions & Answers

Refinancing in Stephenson County

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

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