TX mortgage rates

Gonzales County

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

Gonzales 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 Gonzales 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 Gonzales

A local view of the market.

Gonzales County, Texas, has experienced a dynamic real estate market with the median home price reaching $324,990 in October 2024, marking a 22.3% increase from the previous year. However, the Zillow Home Value Index indicates an average home value of $196,586, reflecting a 2.9% decrease over the past year. The county includes several small cities, with Gonzales being the largest, offering a median listing home price of $275,000. Other notable cities include Waelder, with a higher median listing price of $410,000, and Nixon, where the median price is $225,000. Living in Gonzales County offers a predominantly rural lifestyle with a mix of agricultural and suburban elements. The area is known for its farming and ranching industries, which are significant contributors to the local economy. The county's appeal includes its quieter, more spacious living conditions, attracting those looking to escape urban congestion. Migration patterns suggest an influx of residents seeking affordable housing and a slower pace of life, making Gonzales County an attractive option for families and retirees alike.

Questions & Answers

Refinancing in Gonzales County

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

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