TX mortgage rates

Caldwell County

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

Caldwell 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 Caldwell 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 Caldwell

A local view of the market.

Caldwell County, Texas, is experiencing a dynamic real estate market with a median home sold price of approximately $307,326 as of October 2024, reflecting a slight decrease of 0.7% from the previous year. The market is currently considered a buyer's market, with homes staying on the market for an average of 70 days, which is an increase from the previous year. The top cities in Caldwell County include Lockhart, Dale, Maxwell, and Luling. Lockhart, the county seat, has a median listing home price of $325,500, while Dale is the most expensive with a median price of $507,500. Maxwell is the most affordable city, with a median listing price of $283,500, and Luling has a median price of $291,000. Living in Caldwell County offers a mix of rural and suburban lifestyles, with agriculture playing a significant role in the local economy. The county is known for its farming and ranching, providing a peaceful rural setting while still offering suburban conveniences. The top industries include agriculture, manufacturing, and retail trade. The county attracts new residents due to its affordable housing, proximity to Austin, and a slower-paced lifestyle, making it an appealing choice for those seeking a balance between rural charm and suburban amenities.

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 Caldwell County

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

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