TX mortgage rates

Johnson County

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

Johnson 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$563,500
2 units$721,400
3 units$872,000
4 units$1,083,650

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 Johnson 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
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Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Johnson

A local view of the market.

The real estate market in Johnson County, Texas, is experiencing a moderate increase in home values. As of October 2024, the median home list price was $354,816, reflecting a 1.4% rise from the previous year. The median price per square foot was $183, indicating a stable market with slight appreciation. Johnson County's top cities include Burleson and Cleburne. Burleson has a population of approximately 48,003, while Cleburne is home to about 31,460 residents. These cities serve as key residential and economic hubs within the county. Living in Johnson County offers a blend of rural and suburban lifestyles, with agriculture playing a significant role in the local economy. The county supports a diverse range of industries, including retail trade, healthcare, and manufacturing. Many residents are drawn to the area for its balance of suburban amenities and rural charm, as well as the job opportunities in nearby urban centers.

County snapshot

Market context.

TX

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

Market areaDallas-Fort Worth-ArlingtonMapped market area
Area code19100CBSA / MSA reference
Featured communitiesCleburne · BurlesonFrom the county record
Data year2026Aligned with this limit record
CleburneBurleson
Top cities & communities

Communities to explore.

CleburneBurleson
Questions & Answers

Refinancing in Johnson County

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

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