TX mortgage rates

Kerr County

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

Kerr 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 Kerr 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 Kerr

A local view of the market.

Kerr County, Texas, has a diverse real estate market characterized by a median home sold price of approximately $413,750 as of October 2024, reflecting a slight decrease of 2.6% from the previous year. The county's housing market is currently considered a buyer's market, with homes taking an average of 97 days to sell, indicating a slower pace compared to the previous year. The top cities in Kerr County include Kerrville, with a median listing home price of $449,000, and Ingram, where the median listing price is significantly higher at $848,000. Other notable cities are Mountain Home and Center Point, with median listing prices of $702,000 and $736,400, respectively. Living in Kerr County offers a blend of rural and suburban experiences, with a strong presence of agriculture and farming. The county's economy is supported by industries such as healthcare, education, and retail. Kerr County attracts new residents seeking a quieter, more relaxed lifestyle away from urban centers, with its scenic landscapes and a community-oriented environment being significant draws for those moving into the area.

County snapshot

Market context.

TX

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

Market areaKerrvilleMapped market area
Area code28500CBSA / MSA reference
Featured communityKerrvilleFrom the county record
Data year2026Aligned with this limit record
Kerrville
Top cities & communities

Communities to explore.

Kerrville
Questions & Answers

Refinancing in Kerr County

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

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