TX mortgage rates

Hidalgo County

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

Hidalgo 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 Hidalgo 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 Hidalgo

A local view of the market.

The real estate market in Hidalgo County, Texas, has seen a modest increase in home values over the past year. The average home value in the county is approximately $184,814, reflecting a 4.1% rise. Homes in this region typically go to pending status in about 59 days, indicating a relatively active market. Hidalgo County is home to several prominent cities, with McAllen being the largest, boasting a population of over 143,000 residents. Edinburg, the county seat, has a population of around 101,000, while Mission and Pharr each have populations exceeding 80,000. These cities are key economic and cultural hubs within the county, contributing significantly to its growth and development. Living in Hidalgo County offers a mix of rural and suburban experiences, with agriculture playing a vital role in the local economy. The county's landscape is dotted with farms and ranches, reflecting its agricultural heritage. Additionally, the region has seen growth in industries such as manufacturing and healthcare, providing diverse employment opportunities for residents.

County snapshot

Market context.

TX

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

Market areaMcallen-Edinburg-MissionMapped market area
Area code32580CBSA / MSA reference
Featured communitiesAlamo · Alton · San JuanFrom the county record
Data year2026Aligned with this limit record
AlamoAltonSan Juan
Top cities & communities

Communities to explore.

AlamoAltonSan JuanMissionWeslacoEdinburgPharrMcAllen
Questions & Answers

Refinancing in Hidalgo County

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

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