TX mortgage rates

Duval County

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

Duval 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 Duval 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 Duval

A local view of the market.

The real estate market in Duval County, Texas, is characterized by a high median list price of $561,900 as of October 2024, with no change from the previous month. The price per square foot is notably high at $706, indicating a competitive market environment. Despite the high prices, the number of homes for sale remains low, with only two homes listed in October, reflecting a limited housing supply. Duval County includes several small towns, with San Diego being one of the most notable. San Diego, Texas, has a population of approximately 4,500 residents, making it the largest city in the county. Other towns in the area, such as Freer and Benavides, contribute to the county's rural charm, though they have smaller populations. Living in Duval County offers a predominantly rural lifestyle, with agriculture and ranching being significant industries. The area is known for its wide-open spaces and agricultural lands, providing a tranquil environment away from urban hustle. The county attracts those seeking a quieter, rural lifestyle, often appealing to retirees and those interested in farming or ranching. Migration patterns suggest that people move to Duval County for its affordable land and the opportunity to engage in agricultural activities.

County snapshot

Market context.

TX

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

Market areaAliceMapped market area
Area code10860CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Duval County

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

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