TX mortgage rates

Hill County

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

Hill 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 Hill 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 Hill

A local view of the market.

The real estate market in Hill County, Texas, has seen a notable increase in home values over the past year. As of 2024, the average home value in the county is approximately $217,423, reflecting a 3.5% rise from the previous year. This growth indicates a steady demand for housing in the area, making it an attractive market for potential buyers and investors. Hill County is home to several prominent cities, with Hillsboro being the largest. Hillsboro serves as the county seat and has a population of around 8,000 residents. Another significant city is Whitney, known for its proximity to Lake Whitney, which attracts tourists and residents alike, contributing to its vibrant community. These cities play a crucial role in the county's economy and cultural landscape. Living in Hill County offers a blend of rural and suburban experiences. The county is characterized by its agricultural roots, with farming and ranching being significant contributors to the local economy. Additionally, the presence of Lake Whitney provides recreational opportunities, enhancing the quality of life for residents. The area is ideal for those seeking a peaceful rural lifestyle with access to suburban amenities.

Questions & Answers

Refinancing in Hill County

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

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