TX mortgage rates

Bell County

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

Bell 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 Bell 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 Bell

A local view of the market.

The real estate market in Bell County, Texas, has seen a slight increase in home values over the past year. As of October 2024, the median home sold price was $299,165, marking a 5.1% rise from the previous year. Homes in the area are typically listed for a median price of $254,526, with properties going to pending status in about 42 days. The top cities in Bell County include Killeen, Temple, and Belton. Killeen is the largest city, with a population of approximately 153,000 residents, known for its proximity to Fort Cavazos. Temple, with around 82,000 residents, is a hub for healthcare services, while Belton, home to about 23,000 people, offers a charming small-town atmosphere with a strong community focus. Living in Bell County offers a mix of rural and suburban experiences. The county is known for its agricultural roots, with farming and ranching playing significant roles in the local economy. However, suburban life is also prominent, particularly in areas like Temple and Killeen, which offer more urban amenities. The top industries include healthcare, education, and military services, attracting people for job opportunities and a relatively lower cost of living compared to larger Texas cities. This combination of factors contributes to a steady influx of new residents seeking a balanced lifestyle.

County snapshot

Market context.

TX

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

Market areaKilleen-TempleMapped market area
Area code28660CBSA / MSA reference
Featured communitiesBelton · Harker Heights · KilleenFrom the county record
Data year2026Aligned with this limit record
BeltonHarker HeightsKilleen
Top cities & communities

Communities to explore.

BeltonHarker HeightsKilleenCopperas CoveTemple
Questions & Answers

Refinancing in Bell County

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

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