TX mortgage rates

Collin County

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

Collin 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$563,500
2 units$721,400
3 units$872,000
4 units$1,083,650

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 Collin 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 Collin

A local view of the market.

The real estate market in Collin County, Texas, is experiencing a steady trend with a median home list price of $526,260 as of October 2024, reflecting a slight increase of 0.2% from the previous year. The median price per square foot stands at $221, indicating stable property values in the area. Collin County is home to several prominent cities, including Plano, with a population of approximately 288,000, and McKinney, which has around 208,000 residents. Frisco and Allen are also notable cities, with populations of about 200,000 and 105,000, respectively. These cities contribute significantly to the county's economic and cultural landscape. Living in Collin County offers a blend of suburban and rural experiences, with suburban life being predominant. The county is known for its top industries, including technology and healthcare, which attract many professionals. Real estate migration patterns show that people are moving to Collin County for its quality schools, job opportunities, and suburban lifestyle, making it a desirable place for families and individuals seeking a balanced living environment.

County snapshot

Market context.

TX

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

Market areaDallas-Fort Worth-ArlingtonMapped market area
Area code19100CBSA / MSA reference
Featured communitiesPrinceton · Plano · WylieFrom the county record
Data year2026Aligned with this limit record
PrincetonPlanoWylie
Top cities & communities

Communities to explore.

PrincetonPlanoWylieCelinaMelissaAnnaMcKinneyFriscoAllenMurphyProsper
Questions & Answers

Refinancing in Collin County

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

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