TX mortgage rates

Guadalupe County

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

Official InstaRefi video preview
Watch InstaRefi Overview
2026 limits

2026 Mortgage Loan Limits

Guadalupe 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$557,750
2 units$714,000
3 units$863,100
4 units$1,072,600

Source: Official Federal Housing Finance Agency (FHFA) and HUD loan limit schedules. Conforming data represents conventional maximums. Last synchronized: 2026 update cycle.

View all Texas counties
Refinance Payment Estimate

Estimate Your Refinance in Guadalupe 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 Guadalupe

A local view of the market.

The real estate market in Guadalupe County, Texas, has seen a slight decline in home prices over the past year. As of October 2024, the median listing home price was $329,000, with homes selling for a median price of $309,400. This represents a decrease of about 4.6% year-over-year, indicating a buyer's market where the supply of homes exceeds demand. Guadalupe County is home to several key cities, with Schertz being the largest, boasting a population of 43,604. Seguin, the county seat, follows with a population of 38,194, and Cibolo has a population of 37,555. These cities are among the most populated in the county, contributing significantly to its overall growth. Living in Guadalupe County offers a mix of suburban and rural lifestyles. The county has transitioned from its agricultural roots to a more suburban environment, supported by industries such as retail trade and healthcare. The area attracts residents due to its proximity to larger metropolitan areas like San Antonio, offering a quieter lifestyle while still providing access to urban amenities. This migration pattern is driven by people seeking more space and a lower cost of living compared to larger cities.

County snapshot

Market context.

TX

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

Market areaSan Antonio-New BraunfelsMapped market area
Area code41700CBSA / MSA reference
Featured communitiesSchertz · Cibolo · SeguinFrom the county record
Data year2026Aligned with this limit record
SchertzCiboloSeguin
Top cities & communities

Communities to explore.

SchertzCiboloSeguin
Questions & Answers

Refinancing in Guadalupe County

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

Make the next move with confidence

Your rate opportunity should feel clear.

InstaRefi monitors the market and helps you decide when a conversation may be worth your time. No pressure. No unnecessary credit checks.

No SSN required to get alerts No impact to your credit to check Helpful by email and text
Your data stays protected.We use encryption and privacy practices designed around your trust.Read our privacy policy
Always on your side

Never miss a refinance opportunity.

Get clear, timely mortgage alerts without hurting your credit.