TX mortgage rates

Dallas County

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

Dallas 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.

View all Texas counties
Refinance Payment Estimate

Estimate Your Refinance in Dallas 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 Dallas

A local view of the market.

Dallas County, Texas, has experienced a significant increase in real estate values, with the median home sold price reaching $378,500 in October 2024, marking a 25.1% rise from the previous year. This growth reflects a neutral market condition, suggesting that while prices are elevated, they remain stable, and homes typically stay on the market for a standard duration. The county is home to several prominent cities, including Dallas, which is the largest with a population of over 1.3 million residents. Other notable cities include Garland, with approximately 246,000 residents, and Irving, housing around 240,000 people. These cities contribute significantly to the county's economic and cultural landscape, offering diverse living environments and amenities. Living in Dallas County offers a mix of suburban and urban experiences, with a strong presence of industries such as technology, finance, and healthcare. The county's suburban areas provide a quieter lifestyle with access to urban conveniences, attracting families and professionals. Migration patterns indicate that people are moving to Dallas County for its robust job market, educational opportunities, and vibrant cultural scene, making it an appealing destination for new residents.

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 communitiesMesquite · Farmers Branch · Grand PrairieFrom the county record
Data year2026Aligned with this limit record
MesquiteFarmers BranchGrand Prairie
Top cities & communities

Communities to explore.

MesquiteFarmers BranchGrand PrairieIrvingDeSotoDallasRichardsonLancasterSachseRowlettDuncanvilleCarrolltonGarlandBalch SpringsCoppellCedar HillUniversity Park
Questions & Answers

Refinancing in Dallas 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.