TX mortgage rates

Lampasas County

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

Official InstaRefi video preview
Watch InstaRefi Overview
2026 limits

2026 Mortgage Loan Limits

Lampasas 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 Lampasas 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 Lampasas

A local view of the market.

The real estate market in Lampasas County, Texas, is currently characterized as a buyer's market. As of October 2024, the median home sold price in the county is $332,000, which represents a 5.1% decrease from the previous year. The median price per square foot is $198, indicating a competitive market where buyers may find favorable conditions. Lampasas County includes several notable cities, with Lampasas being the largest. The city of Lampasas serves as the county seat and offers a small-town atmosphere with a population of approximately 7,500 residents. Another significant city is Kempner, which has a population of around 1,100 people. These cities provide a blend of rural charm and suburban convenience, attracting residents who appreciate a quieter lifestyle. Living in Lampasas County offers a mix of rural and suburban experiences, with agriculture playing a significant role in the local economy. The county's landscape is dotted with farms and ranches, contributing to its rural character. Suburban life is also present, with residential areas offering modern amenities. The top industries in the county include agriculture, retail, and healthcare. People may be drawn to Lampasas County for its affordable housing, scenic countryside, and the opportunity to enjoy a slower pace of life while still having access to essential services and community activities.

County snapshot

Market context.

TX

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

Market areaKilleen-TempleMapped market area
Area code28660CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Lampasas 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.