Mortgage Refinance Rates in San Juan County, Utah (2026)
Around San Juan County, where homes run near $514,000, refinancing a $350,000 mortgage from 7.50% to an example 6.25% pulls about $292 off the monthly payment.
Refinance savings in San Juan County
Here is how a rate-and-term refinance changes the monthly payment on a representative San Juan County balance:
| Principal & Interest | Monthly |
|---|---|
| Now, around 7.50% | $2,447 |
| New rate near 6.25% | $2,155 |
| Monthly difference | $292 |
Illustrative only; the rate you are quoted near San Juan County depends on your credit, equity, and the day you lock. Get alerts when rates drop.
Three San Juan County-area balances compared
Bigger balances save more each month. Here is the same 7.50%-to-6.25% move across three San Juan County loan sizes:
| Balance | Now (~7.50%) | Refi (~6.25%) | Monthly Saved |
|---|---|---|---|
| $245,000 | $1,713 | $1,509 | $205 |
| $350,000 | $2,447 | $2,155 | $292 |
| $473,000 | $3,307 | $2,912 | $395 |
What each rate costs near San Juan County
Here is the monthly principal and interest on a $350,000 San Juan County balance at a range of rates, for both 30- and 15-year terms:
| Rate | 30-yr P&I | 15-yr P&I |
|---|---|---|
| 5.50% | $1,987 | $2,860 |
| 5.75% | $2,043 | $2,906 |
| 6.00% | $2,098 | $2,953 |
| 6.25% | $2,155 | $3,001 |
| 6.50% | $2,212 | $3,049 |
| 6.75% | $2,270 | $3,097 |
| 7.00% | $2,329 | $3,146 |
A 15-year refinance of $350,000 near San Juan County runs about $3,001/month versus $2,155 on a 30-year — a higher payment near San Juan County but far less total interest over the life of the San Juan County loan.
Cash-out refinance in San Juan County
With values near $514,000, an 80% cash-out leaves about $61,200 available in San Juan County after paying off the current $350,000 balance.
| Cash-Out Figure | Amount |
|---|---|
| Home value today | $514,000 |
| Remaining mortgage | $350,000 |
| Conventional 80% cap | $411,200 |
| Equity you can access | $61,200 |
In San Juan County, Utah, property taxes average roughly 0.57% of value, so escrow on a $514,000 home adds about $244/month beyond principal and interest. A $350,000 balance sits near 68% loan-to-value, leaving about $164,000 in equity — room for a rate-and-term refinance now and a cash-out later around San Juan County.
San Juan County loan limits for 2026
The 2026 conforming ceiling in San Juan County is $806,500, the standard baseline. Above it, expect jumbo pricing and tighter underwriting.
- San Juan County value about $514,000 with a $350,000 balance (~68% LTV).
- Monthly savings near $292; break-even around month 30 on $8,750 of costs.
- Five-year net of about $8,784 and cash-out room near $61,200.
- Conforming limit $806,500; current equity roughly $164,000 near San Juan County.
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Frequently Asked Questions
- How much can I save refinancing in San Juan County in 2026?
- On a typical $350,000 balance, moving from about 7.50% to 6.25% saves roughly $292/month in principal and interest. Your savings depend on your current rate, balance, and term.
- How much cash can I take out of my San Juan County-area home?
- Conventional cash-out refinances are capped at 80% of appraised value. On an estimated $514,000 San Juan County home with a $350,000 balance, that is about $61,200 in available cash.
- What is the conforming loan limit in San Juan County for 2026?
- The 2026 conforming limit is $806,500 for a one-unit home (the national baseline). Refinances above that are jumbo loans.
- When does a refinance pay off in San Juan County?
- Divide your closing costs (about $8,750 here) by your monthly savings. In this example you break even near month 30 — refinance only if you will keep the home past that.
- How much equity is in a typical San Juan County-area home?
- On an estimated $514,000 value with a $350,000 balance, that is about $164,000 in equity — roughly 32%. A conventional cash-out requires you to keep 20%.
- Is now a good time to refinance in San Juan County?
- A common rule of thumb: refinance when you can cut your rate by about 0.75 to 1% and stay past your break-even (near month 30 here). On a $350,000 San Juan County balance, that move is worth roughly $292 a month.