TX mortgage rates

Galveston County

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

Galveston 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 Galveston 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 Galveston

A local view of the market.

The real estate market in Galveston County, Texas, is currently experiencing a stable phase with a median listing home price of $399,800 as of October 2024. This price has remained relatively flat compared to the previous year, indicating a balanced market. Homes in the area are selling for a median price of $328,100, and the market is considered to be favorable for buyers, with properties typically staying on the market for an average of 68 days. Galveston County comprises several vibrant cities, with Galveston and League City being among the most prominent. Galveston, known for its historic charm and coastal attractions, has a median listing home price of $436,500. League City, a rapidly growing suburban area, offers a median home price of $400,000. Both cities provide a blend of urban amenities and suburban tranquility, attracting a diverse population. Living in Galveston County offers a mix of suburban and rural experiences, with a strong emphasis on coastal and agricultural lifestyles. The county's economy is supported by industries such as tourism, healthcare, and education, which contribute to its steady growth. The area's appeal lies in its proximity to the Gulf of Mexico, providing residents with scenic views and recreational opportunities. Migration patterns suggest that people are drawn to Galveston County for its affordable housing options and the relaxed coastal lifestyle it offers.

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 communitiesDickinson · Friendswood · GalvestonFrom the county record
Data year2026Aligned with this limit record
DickinsonFriendswoodGalveston
Top cities & communities

Communities to explore.

DickinsonFriendswoodGalvestonLeague
Questions & Answers

Refinancing in Galveston County

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

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