TX mortgage rates

Bandera County

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

Official InstaRefi video preview
Watch InstaRefi Overview
2026 limits

2026 Mortgage Loan Limits

Bandera 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$557,750
2 units$714,000
3 units$863,100
4 units$1,072,600

Source: Official Federal Housing Finance Agency (FHFA) and HUD loan limit schedules. Conforming data represents conventional maximums. Last synchronized: 2026 update cycle.

View all Texas counties
Refinance Payment Estimate

Estimate Your Refinance in Bandera 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 Bandera

A local view of the market.

Bandera County, Texas, has a diverse real estate market with a median home value of approximately $354,552, reflecting a slight decrease of 0.5% over the past year. The market is currently considered a buyer's market, with homes typically selling for around 3% more than they did a year ago. The county is home to several notable cities, including Bandera, Pipe Creek, and Lakehills. Bandera, known as the "Cowboy Capital of the World," has a population of approximately 895 and serves as the county seat. Pipe Creek and Lakehills are also significant communities, offering a mix of rural and suburban lifestyles. Living in Bandera County offers a blend of rural and suburban experiences, with a strong emphasis on agriculture and ranching. The area is known for its scenic landscapes and outdoor recreational opportunities, attracting those seeking a quieter, country lifestyle. The top industries include agriculture, tourism, and small businesses, with many people moving to the county for its natural beauty and relaxed pace of life.

County snapshot

Market context.

TX

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

Market areaSan Antonio-New BraunfelsMapped market area
Area code41700CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Bandera County

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

Make the next move with confidence

Your rate opportunity should feel clear.

InstaRefi monitors the market and helps you decide when a conversation may be worth your time. No pressure. No unnecessary credit checks.

No SSN required to get alerts No impact to your credit to check Helpful by email and text
Your data stays protected.We use encryption and privacy practices designed around your trust.Read our privacy policy
Always on your side

Never miss a refinance opportunity.

Get clear, timely mortgage alerts without hurting your credit.