TX mortgage rates

Houston County

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

Houston 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 Houston 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 Houston

A local view of the market.

Houston County, Texas, currently presents a buyer's market in real estate, with the median home sold price at $209,000 as of October 2024. This figure reflects a 5.5% decrease from the previous year, indicating a trend where homes are staying on the market longer and selling for less than asking prices. The county is home to several notable cities, including Crockett and Grapeland. Crockett, the largest city, has a population of approximately 6,500 residents, offering a small-town feel with historical charm. Grapeland, known for its annual Peanut Festival, has a population of around 1,500, providing a close-knit community atmosphere. Living in Houston County offers a predominantly rural lifestyle, characterized by agriculture and farming as primary industries. The county's landscape is dotted with farms and ranches, contributing to its agricultural economy. While suburban areas are limited, the rural setting provides a peaceful environment with a strong sense of community.

Questions & Answers

Refinancing in Houston County

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

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