TX mortgage rates

Lubbock County

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

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

About Lubbock

A local view of the market.

Lubbock County, Texas, has a dynamic real estate market with an average home value of approximately $207,422, which has decreased by 1.4% over the past year. Homes in the county typically go to pending sale in about 33 days, indicating a relatively active market. The largest city in Lubbock County is Lubbock, with a population of around 266,878, making it the 10th most populous city in Texas. Other notable cities include Wolfforth, with a population of 6,008, and Slaton, with 5,880 residents. Living in Lubbock County offers a blend of suburban and rural experiences. The county is known for its agricultural roots, with farming and ranching playing significant roles in the local economy. Additionally, the area has a growing suburban landscape, driven by industries such as education, healthcare, and manufacturing. The county attracts new residents due to its affordable cost of living and career opportunities, making it a desirable location for families and professionals alike.

County snapshot

Market context.

TX

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

Market areaLubbockMapped market area
Area code31180CBSA / MSA reference
Featured communityLubbockFrom the county record
Data year2026Aligned with this limit record
Lubbock
Top cities & communities

Communities to explore.

Lubbock
Questions & Answers

Refinancing in Lubbock County

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

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