TX mortgage rates

Brazos County

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

Brazos 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.

View all Texas counties
Refinance Payment Estimate

Estimate Your Refinance in Brazos 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 Brazos

A local view of the market.

The real estate market in Brazos County, Texas, is currently characterized as a buyer's market, with a median home sold price of $332,202 as of October 2024, which reflects a 3.2% increase from the previous year. The median listing home price in the county was $361,600, remaining flat year-over-year, with homes typically selling for about 1.52% below the asking price. Brazos County includes several notable cities, with College Station and Bryan being the largest. College Station has a median listing home price of $382,500 and is known for its vibrant community centered around Texas A&M University. Bryan, with a median listing price of $325,000, offers a mix of historic charm and modern amenities. Living in Brazos County offers a blend of suburban and rural lifestyles, with agriculture playing a significant role in the local economy. The county is attractive to those seeking a balance between city conveniences and rural tranquility, with top industries including education, healthcare, and agriculture. The presence of Texas A&M University contributes to a dynamic real estate market, attracting students, faculty, and staff, which influences migration patterns to the area.

County snapshot

Market context.

TX

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

Market areaCollege Station-BryanMapped market area
Area code17780CBSA / MSA reference
Featured communitiesCollege Station · BryanFrom the county record
Data year2026Aligned with this limit record
College StationBryan
Top cities & communities

Communities to explore.

College StationBryan
Questions & Answers

Refinancing in Brazos 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.