TX mortgage rates

Jefferson County

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

Jefferson 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 Jefferson 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 Jefferson

A local view of the market.

The real estate market in Jefferson County, Texas, is currently characterized as a buyer's market, with a median home sold price of $200,000 as of October 2024. This represents a 2.6% increase from the previous year, with the median price per square foot at $118. Homes in the area tend to stay on the market longer, averaging 66 days, which is an increase of 21.9% compared to last year. Jefferson County's largest cities include Beaumont, with a population of approximately 116,822, and Port Arthur, with around 55,897 residents. Other notable cities are Nederland and Groves, with populations of 18,569 and 17,110, respectively. Living in Jefferson County offers a mix of rural and suburban experiences. The area is known for its friendly communities and ample open spaces, with many farms contributing to a country lifestyle. The county's economy is bolstered by deepwater transportation and petrochemical industries, which are significant employment sectors. People may be drawn to Jefferson County for its affordable housing and the balance of suburban amenities with rural charm.

County snapshot

Market context.

TX

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

Market areaBeaumont-Port ArthurMapped market area
Area code13140CBSA / MSA reference
Featured communitiesBeaumont · Port ArthurFrom the county record
Data year2026Aligned with this limit record
BeaumontPort Arthur
Top cities & communities

Communities to explore.

BeaumontPort Arthur
Questions & Answers

Refinancing in Jefferson County

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

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