TX mortgage rates

Karnes County

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

Karnes 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 Karnes 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 Karnes

A local view of the market.

The real estate market in Karnes County, Texas, is experiencing growth, with the median home listing price at $279,000 as of October 2024, reflecting a significant increase of 33.5% year-over-year. However, the average home value is reported to be $142,249, which is a decrease of 7.2% over the past year. The market is currently considered a seller's market, indicating that homes are selling faster and at higher prices. Karnes County includes several cities, with Karnes City and Kenedy being among the most notable. Karnes City has a population of approximately 3,042, while Kenedy is slightly larger with around 3,296 residents. These cities serve as central hubs within the county, providing essential services and amenities to residents and visitors alike. Living in Karnes County offers a mix of rural and suburban experiences. The area is characterized by its agricultural roots, with farming and ranching being prominent industries. The county's economy is also supported by the oil and gas sector, which attracts workers and families seeking employment opportunities. The migration patterns into Karnes County are often driven by the appeal of a quieter, rural lifestyle combined with the economic prospects offered by the local industries.

Questions & Answers

Refinancing in Karnes County

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

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