TX mortgage rates

Mclennan County

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

Mclennan 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 Mclennan 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 Mclennan

A local view of the market.

The real estate market in McLennan County, Texas, has seen a slight decline, with the average home value at $262,439, down 0.2% over the past year. Homes typically go to pending in about 42 days, indicating a relatively stable market despite the minor decrease in home values. Waco is the largest city in McLennan County, with a population of approximately 140,541. Other notable cities include Hewitt, with a population of 16,071, Bellmead with 10,511 residents, and Woodway, home to about 9,422 people. Living in McLennan County offers a mix of rural and suburban experiences. While the county is relatively rural with many small towns, Waco provides a dense suburban feel. The region's economy is supported by industries such as manufacturing and food production, with major employers including Alco Fastening Systems and Cargill Foods. People may be drawn to the county for its affordable living and the balance of rural charm with suburban amenities.

County snapshot

Market context.

TX

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

Market areaWacoMapped market area
Area code47380CBSA / MSA reference
Featured communityWacoFrom the county record
Data year2026Aligned with this limit record
Waco
Top cities & communities

Communities to explore.

Waco
Questions & Answers

Refinancing in Mclennan County

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

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