TX mortgage rates

Cameron County

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

Cameron 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 Cameron 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
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Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Cameron

A local view of the market.

Cameron County, Texas, has a dynamic real estate market with the average home value currently at $188,654, reflecting a 1.5% increase over the past year. Homes in this area typically go pending in about 58 days, indicating a moderately active market. The county's largest city is Brownsville, with a population of approximately 191,209, followed by Harlingen with 71,387 residents. Other notable cities include San Benito, housing around 24,381 people, and Los Fresnos with a population of 8,437. Cameron County offers a mix of rural and suburban living, with agriculture playing a significant role in the local economy. The region is known for its farming activities, although it faces challenges like land loss to other industries. The county's economic landscape is also shaped by industries such as manufacturing and healthcare, attracting new residents seeking affordable housing and employment opportunities.

County snapshot

Market context.

TX

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

Market areaBrownsville-HarlingenMapped market area
Area code15180CBSA / MSA reference
Featured communitiesHarlingen · Brownsville · San BenitoFrom the county record
Data year2026Aligned with this limit record
HarlingenBrownsvilleSan Benito
Top cities & communities

Communities to explore.

HarlingenBrownsvilleSan Benito
Questions & Answers

Refinancing in Cameron County

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

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