TX mortgage rates

Austin County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Austin County, Texas. 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

Austin 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 Austin 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 Austin

A local view of the market.

The real estate market in Austin County, Texas, is experiencing significant growth. As of October 2024, the median listing home price was $427,000, reflecting a 27.4% increase from the previous year. The median sold home price was $372,500, indicating a robust demand in the area. Austin County is home to several notable cities, with Sealy being the largest, boasting a population of approximately 6,830. Bellville, the county seat, has a population of about 4,200. Other cities include Wallis and Brazos Country, contributing to the county's overall population of around 32,284. Living in Austin County offers a mix of rural and suburban experiences, with agriculture playing a significant role in the local economy. The county is known for its diverse agricultural production, including crops like corn, cotton, and wine grapes, as well as livestock such as cattle and horses. The area's rural charm and growing economic opportunities attract new residents, contributing to a steady influx of people seeking a balanced lifestyle between rural tranquility and suburban convenience.

County snapshot

Market context.

TX

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

Market areaHouston-The Woodlands-Sugar LandMapped market area
Area code26420CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Austin County

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

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