TX mortgage rates

Howard County

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

Howard 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 Howard 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 Howard

A local view of the market.

The real estate market in Howard County, Texas, has seen some fluctuations recently. As of October 2024, the median listing home price was $222,500, reflecting a 4.7% increase year-over-year. The average home value in the county is approximately $134,211, marking a 2.0% rise over the past year. Howard County includes several cities, with Big Spring being the most notable. Big Spring has a population of around 27,000 people and serves as the county seat. Other smaller communities include Coahoma and Forsan, which contribute to the county's rural charm. Living in Howard County offers a mix of rural and suburban experiences. The area is characterized by its agricultural roots, with farming and ranching being significant industries. The county's economy is also supported by the oil and gas sector, attracting workers and families seeking employment opportunities. The migration patterns show a trend of people moving to Howard County for its affordable housing and employment prospects in these industries.

County snapshot

Market context.

TX

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

Market areaBig SpringMapped market area
Area code13700CBSA / MSA reference
Featured communityBig SpringFrom the county record
Data year2026Aligned with this limit record
Big Spring
Top cities & communities

Communities to explore.

Big Spring
Questions & Answers

Refinancing in Howard County

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

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