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Jefferson County, Indiana (FedHome Loan Centers)

2020 Jefferson County Government Home Loan Limits

FHA Loan Limit $331,760 (Single family residence) / $424,800 (Duplex) / $513,450 (Triplex) / $638,100 (Fourplex)
USDA Loan Limit $251,862
VA Home Loan Limit $0 down up to $3,000,000 / 2 open VA loans at one time $510,400 *(Call 888-573-4496 for details).


Jefferson County is situated along the southern border of Indiana and its southern boundary is part of the state line between Indiana and Kentucky. The State of Ohio is also within a short driving distance and is accessible to the northeast. The county has a population of 32,565 and total land size of 363 square miles.

Jefferson County was established in 1811 and was named after former President of the United States, Thomas Jefferson. The county was one of the first counties created in the state of Indiana and has an important history in the Hoosier State. The county seat is Madison, which was one of its larger cities in the early days and is now rivaled by Vincennes and New Albany in terms of population. 

However, Jefferson County endured some difficult days following the end of the American Civil War as industrial development shifted from Southern Indiana to the northern portion of the state. As a result, Jefferson County hasn’t grown at nearly as high of a rate since the 19th Century and remains fairly rural. 

Madison serves as the principal city in Jefferson County. It has a population of 11,800 and reflects more than one-third of all the population in the county. Additionally, 55,000 people live within 15 miles of Madison and venture to the small city frequently for a wider array of shopping, dining and entertainment options. 

Madison is the largest city along the Ohio River between Louisville and Cincinnati. It is nearly halfway between the two metropolitan areas. The residents of Madison can reach Louisville, Kentucky in about an hour of drive time. Meanwhile, Cincinnati, Ohio is approximately an hour and twenty minutes from Madison. The close proximity between the two cities is convenient for many residents.  

Madison is also considered one of the core cities of the Louisville-Elizabethtown-Madison metroplex. Recent data collected suggests there are approximately 1.5 million people in this section of the United States. In addition to serving many of the smaller towns in the area, Madison is also home to the largest contiguous National Historic Landmark in the nation. The Madison Historic Landmark District contains 133 continuous blocks of historical buildings. 

Furthermore, Madison is designated as a powerboat racing capital of the world. The tradition dates back to the early 20th century. By 1929, Madison hosted annual powerboat races known as the Madison Regatta. Madison is one of the rare places in the U.S. that hosts hydroplane racing in addition to Seattle, Washington and San Diego, California. The events draw visitors in the six figures, giving a massive boost to the local economy and population in an otherwise fairly small city. 

Jefferson County also likes to tout its own community-built and owned, unlimited hydroplane racer – called Miss Madison. The watercraft began racing in 1961 and is highly regarded for a historical upset at the races in 1971. A local team continues to compete in the H1 Unlimited Championship and is a source of pride for locals. 

Along with having a deep powerboat racing tradition, Jefferson County is also highlighted by its connection to the iconic Ohio River which runs along the southern border. Clifty Falls State Park area exists to the west. The tallest waterfall in Indiana is also located in Hanover. Fremont Falls drops 108 feet and is far taller than the next highest waterfall in the state, Williamsport Falls. 


Find Your Perfect Home

FedHome Loan Centers can help you find and finance the perfect home in Jefferson County. Reach out today to speak to our knowledgeable team! 


Jefferson County Property Search 

Canaan, Deputy, Dupont, Hanover, Madison 

47224, 47230, 47231, 47243, 47250 

Interested in a house or condo in Jefferson County? Contact FedHome Loan Centers today! 


Jefferson County Condo Search 

For a list of new condos available in Jefferson County, call FedHome Loan Centers


Contact FedHome Loan Centers at 877-432-5626 for more information and to confirm eligibility.