TX mortgage rates

El Paso County

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

El Paso 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 El Paso 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 El Paso

A local view of the market.

In El Paso County, Texas, the real estate market has seen a steady increase in home values. As of October 2024, the median home list price was $268,210, reflecting a 4.5% increase from the previous year. This rise is indicative of a growing demand in the area, with homes selling at a median price of $155 per square foot. El Paso County is home to several prominent cities, with El Paso being the largest and most populous, boasting a population of over 678,000 residents. Other notable cities include Socorro, with a population of approximately 34,000, and Horizon City, which has around 20,000 residents. These cities contribute significantly to the county's economic and cultural landscape. Living in El Paso County offers a mix of suburban and rural experiences. The area is known for its agricultural activities, with farming playing a crucial role in the local economy. Suburban life is vibrant, supported by industries such as manufacturing, healthcare, and education. The county attracts new residents due to its affordable housing, strong community ties, and proximity to the U.S.-Mexico border, which provides unique cultural and economic 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 areaEl PasoMapped market area
Area code21340CBSA / MSA reference
Featured communitiesHorizon · Socorro · El PasoFrom the county record
Data year2026Aligned with this limit record
HorizonSocorroEl Paso
Top cities & communities

Communities to explore.

HorizonSocorroEl Paso
Questions & Answers

Refinancing in El Paso County

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

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