TX mortgage rates

Fort Bend County

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

Fort Bend 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 Fort Bend 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 Fort Bend

A local view of the market.

The real estate market in Fort Bend County, Texas, is experiencing a steady increase in home values. As of October 2024, the median listing home price in the county was $425,000, reflecting a 1.4% increase from the previous year. The median price per square foot was $174, and homes sold for a median price of $381,500, indicating a buyer's market where supply exceeds demand. Fort Bend County encompasses several prominent cities, including Sugar Land, Missouri City, and Richmond. Sugar Land, with a population of approximately 118,000, is known for its family-friendly environment and excellent schools. Missouri City, home to about 75,000 residents, offers a suburban feel with numerous parks and recreational facilities. Richmond, a smaller city with around 12,000 people, provides a blend of historic charm and modern amenities. Living in Fort Bend County offers a mix of suburban and rural experiences, with a strong emphasis on community and family life. The county features a variety of housing options, from suburban neighborhoods to rural properties, supporting both suburban lifestyles and agricultural activities. Major industries include healthcare, education, and energy, attracting new residents seeking employment opportunities and a high quality of life. The county's diverse real estate options and strong local economy make it a popular choice for families and professionals relocating to the area.

County snapshot

Market context.

TX

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

Market areaHouston-The Woodlands-Sugar LandMapped market area
Area code26420CBSA / MSA reference
Featured communitiesRosenberg · Missouri · FulshearFrom the county record
Data year2026Aligned with this limit record
RosenbergMissouriFulshear
Top cities & communities

Communities to explore.

RosenbergMissouriFulshearSugar Land
Questions & Answers

Refinancing in Fort Bend County

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

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