TX mortgage rates

Lee County

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

Lee 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 Lee 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 Lee

A local view of the market.

Lee County, Texas, has seen a notable increase in its real estate market, with the median home sold price reaching $315,000 as of October 2024, marking an 11.9% rise from the previous year. This growth indicates a shift towards a buyer's market, where homes tend to stay on the market longer and at potentially lower prices. The county includes several key cities, with Giddings being the largest, serving as the county seat and a central hub for commerce and community activities. Other notable cities include Lexington and Dime Box, each contributing to the county's rural charm and small-town atmosphere. Living in Lee County offers a blend of rural and suburban lifestyles, with agriculture playing a significant role in the local economy. The area is known for its farming and ranching, attracting those interested in a quieter, country lifestyle. The county's proximity to larger urban centers makes it appealing for those seeking a balance between rural living and access to city amenities. Migration patterns suggest that people are moving to Lee County for its affordable housing, open spaces, and the appeal of a close-knit community.

Questions & Answers

Refinancing in Lee County

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

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