TX mortgage rates

Harris County

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

Harris 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 Harris 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 Harris

A local view of the market.

Harris County, Texas, has a dynamic real estate market with the average home value currently at $281,753, reflecting a modest increase of 0.6% over the past year. This growth indicates a stable market, with homes typically going to pending status in about 31 days, suggesting a balanced demand and supply scenario. The top cities in Harris County include Houston, Pasadena, and Baytown. Houston, the largest city, has a population of approximately 2.3 million, making it a major urban center. Pasadena follows with a population of around 145,165, while Baytown has about 83,633 residents. These cities contribute significantly to the county's economic and cultural landscape. Living in Harris County offers a mix of suburban and urban experiences, with suburban areas experiencing significant growth. The county is a hub for industries such as energy, healthcare, and aerospace, attracting both domestic and international migrants. Migration patterns show a trend of people moving to the suburbs for more space and a family-friendly environment, while the urban core continues to draw those seeking vibrant city life and job opportunities.

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 communitiesPasadena · Katy · La PorteFrom the county record
Data year2026Aligned with this limit record
PasadenaKatyLa Porte
Top cities & communities

Communities to explore.

PasadenaKatyLa PorteHoustonDeer Park
Questions & Answers

Refinancing in Harris County

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

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