TX mortgage rates

Bastrop County

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

Bastrop 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$571,550
2 units$731,700
3 units$884,450
4 units$1,099,150

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 Bastrop 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 Bastrop

A local view of the market.

The real estate market in Bastrop County, Texas, is currently characterized as a buyer's market, with the median home sold price at $368,391 as of October 2024. This represents a slight decrease of 0.4% from the previous year. The median price per square foot stands at $206, indicating stable pricing trends over the past year. Bastrop County is home to several key cities, including Elgin and Bastrop, each with populations close to 10,000. Elgin, known for its historic charm and vibrant community, is one of the largest cities in the county, followed closely by Bastrop, which serves as the county seat and is renowned for its rich history and cultural attractions. Living in Bastrop County offers a blend of rural and suburban lifestyles, with expansive agricultural areas and growing suburban communities. The county's proximity to Austin makes it an attractive location for those seeking a quieter lifestyle while remaining close to urban amenities. Key industries include healthcare, educational services, and retail trade, contributing to the county's economic growth. Many new residents are drawn to Bastrop County for its affordable land and quality of life, often relocating from nearby urban areas like Travis County.

County snapshot

Market context.

TX

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

Market areaAustin-Round Rock-GeorgetownMapped market area
Area code12420CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Bastrop County

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

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