TX mortgage rates

Midland County

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

Midland 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 Midland 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 Midland

A local view of the market.

The real estate market in Midland County, Texas, has been experiencing growth, with the median sale price of homes reaching $375,000 as of September 2024, marking a 4.9% increase from the previous year. Homes in the area typically sell after an average of 47 days on the market, indicating a relatively active market. Midland County's largest city is Midland, which is also the county seat, with a population of approximately 140,232 as of 2024. Another notable area within the county is the balance of Midland County, which includes smaller communities and rural areas, contributing to the overall county population of around 182,197. Living in Midland County offers a mix of suburban and rural experiences, with a strong emphasis on the energy sector, particularly oil and gas, which drives much of the local economy. The county is known for its suburban feel, with many residents owning their homes. People are drawn to Midland County for job opportunities in the energy industry, a strong sense of community, and the blend of suburban and rural lifestyles.

County snapshot

Market context.

TX

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

Market areaMidlandMapped market area
Area code33260CBSA / MSA reference
Featured communityMidlandFrom the county record
Data year2026Aligned with this limit record
Midland
Top cities & communities

Communities to explore.

Midland
Questions & Answers

Refinancing in Midland County

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

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