TX mortgage rates

Kleberg County

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

Get Free Refinance Alerts Check a live rate
Official InstaRefi video preview
Watch InstaRefi Overview
2026 limits

2026 Mortgage Loan Limits

Kleberg 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.

View all Texas counties
Refinance Payment Estimate

Estimate Your Refinance in Kleberg 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
Get Free Rate Alerts

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

About Kleberg

A local view of the market.

The real estate market in Kleberg County, Texas, is experiencing growth, with the median listing home price reaching approximately $223,900 as of October 2024. This represents a significant increase of 12.9% year-over-year, indicating a strong demand for housing in the area. Kingsville is the largest city in Kleberg County, with a population of about 25,357. Other notable communities include Ricardo, with a population of 886, and Riviera, home to 473 residents. Kleberg County offers a mix of rural and suburban living, with agriculture playing a significant role in the local economy. The county is known for its educational services and retail trade sectors, which are among the top industries. The area's appeal includes a combination of affordable living and the opportunity for a quieter, more rural lifestyle, attracting individuals and families seeking a change from urban environments.

County snapshot

Market context.

TX

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

Market areaKingsvilleMapped market area
Area code28780CBSA / MSA reference
Featured communityKingsvilleFrom the county record
Data year2026Aligned with this limit record
Kingsville
Top cities & communities

Communities to explore.

Kingsville
Questions & Answers

Refinancing in Kleberg County

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

Make the next move with confidence

Your rate opportunity should feel clear.

InstaRefi monitors the market and helps you decide when a conversation may be worth your time. No pressure. No unnecessary credit checks.

No SSN required to get alerts No impact to your credit to check Helpful by email and text
Your data stays protected.We use encryption and privacy practices designed around your trust.Read our privacy policy
Always on your side

Never miss a refinance opportunity.

Get clear, timely mortgage alerts without hurting your credit.

Get Free Refinance Alerts Get a Live Rate Quote