TX mortgage rates

Denton County

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

Denton 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 Denton 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 Denton

A local view of the market.

The real estate market in Denton County, Texas, has seen a slight increase in home values over the past year. As of October 2024, the median home listing price is approximately $485,270, reflecting a 2.3% increase from the previous year. The average home value in the county is about $458,474, with homes typically going pending in around 30 days. Denton County is home to several prominent cities, including Denton, Flower Mound, and Lewisville. Denton, the county seat, has a population of approximately 141,000 residents. Flower Mound, known for its family-friendly environment and excellent schools, has a population of about 79,000. Lewisville, with its vibrant community and proximity to Lewisville Lake, has around 111,000 residents. Living in Denton County offers a mix of suburban and rural lifestyles. The county features a blend of suburban neighborhoods and rural areas, with agriculture playing a significant role in the local economy. Top industries include education, healthcare, and retail. The county's growth is driven by its appealing suburban lifestyle, quality educational institutions, and proximity to the Dallas-Fort Worth metroplex, attracting families and professionals seeking a balanced lifestyle.

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 communitiesLewisville · Little Elm · DentonFrom the county record
Data year2026Aligned with this limit record
LewisvilleLittle ElmDenton
Top cities & communities

Communities to explore.

LewisvilleLittle ElmDentonFlower MoundCorinthThe Colony
Questions & Answers

Refinancing in Denton County

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

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