TX mortgage rates

Falls County

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

Falls 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 Falls 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 Falls

A local view of the market.

Falls County, Texas, has a diverse real estate market with a median listing home price of $244,900 as of October 2024, reflecting a slight decrease of 2% from the previous year. The median price per square foot stands at $130, indicating a stable market with a variety of housing options available. The county is home to several cities, with Marlin being one of the notable ones, offering a median listing home price of $232,000. Eddy follows with a median price of $259,900, while Rosebud is more affordable at $162,400. These cities provide a range of housing options, catering to different budgets and preferences. Living in Falls County offers a mix of rural and suburban experiences, with agriculture playing a significant role in the local economy. The area is characterized by its open spaces and farming communities, attracting those seeking a quieter, more rural lifestyle. The county's top industries include agriculture and manufacturing, which contribute to a steady influx of residents looking for employment opportunities and a peaceful 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 areaWacoMapped market area
Area code47380CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Falls County

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

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