TX mortgage rates

King County

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

King 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 King 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 King

A local view of the market.

King County, Texas, has a real estate market characterized by low property values, with a median property value of $22,600 in 2021. This is significantly lower than the national average, reflecting the rural nature of the county. The homeownership rate is about 40%, indicating a modest level of property ownership among residents. The county is sparsely populated, with a total population of 216 people as of 2022. Due to its small size, King County does not have large cities, but its population is concentrated in small rural communities. The county's demographic is predominantly White, with both non-Hispanic and Hispanic communities present. Living in King County is primarily rural, with agriculture being the dominant industry, employing a significant portion of the workforce. The county's economy also includes educational services and construction. People may move to King County for its rural lifestyle, agricultural opportunities, or to escape urban environments. The county's low property values and rural charm can attract those seeking a quieter, more agrarian lifestyle.

Questions & Answers

Refinancing in King County

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

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