TX mortgage rates

Madison County

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

Madison 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 Madison 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 Madison

A local view of the market.

Madison County, Texas, has seen significant changes in its real estate market. As of October 2024, the median sold home price was $713,850, marking a substantial increase of 191.4% from the previous month. The median price per square foot was $365. This sharp rise in prices indicates a dynamic market, although the county remains a buyer's market, suggesting that homes are staying on the market longer, providing opportunities for negotiation. The county includes several cities, with Madisonville being the largest. Madisonville has a population of approximately 4,400 residents and serves as the county seat. Other notable cities include Midway and North Zulch, which contribute to the county's rural charm and community-focused lifestyle. Living in Madison County offers a blend of rural and suburban experiences. The area is characterized by its agricultural roots, with many residents engaged in farming and related industries. The county's economy is supported by agriculture, education, and small businesses. The real estate market attracts those looking for a quieter lifestyle, with larger property sizes and a strong sense of community. Migration patterns suggest people are moving to Madison County for its affordability and rural appeal, making it an attractive option for families and retirees.

Questions & Answers

Refinancing in Madison 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.