TX mortgage rates

La Salle County

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

La Salle 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 La Salle 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 La Salle

A local view of the market.

La Salle County, Texas, has seen fluctuations in its real estate market in 2024. The median listing home price is approximately $154,000, reflecting a decline of 26.5% year-over-year. The average home value is slightly lower at $150,109, marking a 4.9% decrease over the past year. In August 2024, the median sale price was $96,000, indicating a significant drop from the previous month. The county includes several small cities, with Cotulla being the largest. Cotulla has a population of around 4,000 residents and serves as the county seat. Encinal, another notable city, has a smaller population but is known for its proximity to major highways, making it a convenient location for travelers and residents alike. La Salle County is predominantly rural, with a landscape characterized by ranches and agricultural land. The economy is largely driven by industries such as oil and gas, agriculture, and hunting. The county's rural charm and lower cost of living attract individuals seeking a quieter lifestyle away from urban centers. Additionally, the presence of the Eagle Ford Shale has brought economic opportunities, drawing workers and their families to the area.

Questions & Answers

Refinancing in La Salle County

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

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