TX mortgage rates

Henderson County

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

Henderson 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 Henderson 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 Henderson

A local view of the market.

Henderson County, Texas, has a dynamic real estate market characterized by a median listing home price of $350,000 as of October 2024. The market has remained stable year-over-year, with the median price per square foot at $203. This indicates a balanced market where the supply of homes meets the demand, offering opportunities for both buyers and sellers. The county is home to several notable cities, including Athens, Gun Barrel City, and Chandler. Athens, the largest city, serves as the county seat and has a population of approximately 12,857. Gun Barrel City, known for its proximity to Cedar Creek Lake, has a population of around 6,190, while Chandler, with its small-town charm, has about 2,734 residents. These cities contribute to the county's diverse cultural and economic landscape. Living in Henderson County offers a mix of rural and suburban experiences. The area is known for its agricultural roots, with farming and ranching playing significant roles in the local economy. Additionally, the county has a growing industrial sector, providing a variety of employment opportunities. Residents enjoy a peaceful lifestyle with access to natural beauty, including lakes and parks, making it an attractive place for those seeking a balance between rural and suburban living.

County snapshot

Market context.

TX

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

Market areaAthensMapped market area
Area code11980CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Henderson County

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

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