TX mortgage rates

Matagorda County

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

Matagorda 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 Matagorda 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 Matagorda

A local view of the market.

The real estate market in Matagorda County, Texas, is currently a buyer's market, with the median home sold price at $219,500 as of October 2024. This represents a decrease of 10.4% from the previous year, indicating a trend where homes are staying on the market longer and prices are lower. Matagorda County includes several notable cities, with Bay City being the largest, boasting a population of approximately 17,000 residents. Another significant city is Palacios, known for its shrimping industry, with a population of around 4,500 people. These cities contribute to the county's diverse economic and cultural landscape. Living in Matagorda County offers a mix of rural and suburban experiences, with agriculture playing a significant role in the local economy. The county's landscape supports farming and fishing industries, attracting those interested in a quieter, more rural lifestyle. Additionally, the presence of industries such as energy and tourism encourages migration to the area, as people seek employment opportunities and a lower cost of living compared to urban centers.

County snapshot

Market context.

TX

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

Market areaBay CityMapped market area
Area code13060CBSA / MSA reference
Featured communityBayFrom the county record
Data year2026Aligned with this limit record
Bay
Top cities & communities

Communities to explore.

Bay
Questions & Answers

Refinancing in Matagorda County

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

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