TX mortgage rates

Montgomery County

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

Montgomery 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 Montgomery 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 Montgomery

A local view of the market.

Montgomery County, Texas, has a dynamic real estate market with a median home value of approximately $352,798, reflecting a slight increase of 0.1% over the past year. The median sold price for homes in the county was $363,605 as of October 2024, marking a 1% increase from the previous year. Among the top cities in Montgomery County are Conroe, The Woodlands, and Montgomery. Conroe, the county seat, has a population of over 90,000 residents, while The Woodlands is a master-planned community with a population exceeding 114,000. Montgomery, known for its historic charm, has a smaller population but is a significant part of the county's identity. Living in Montgomery County offers a blend of suburban and rural experiences. The county is characterized by its suburban developments, particularly in areas like The Woodlands, while also offering rural landscapes and agricultural opportunities. The top industries include healthcare, education, and retail, which attract many new residents. The county's appeal lies in its balance of suburban convenience and rural tranquility, drawing people seeking a high quality of life and proximity to Houston.

County snapshot

Market context.

TX

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

Market areaHouston-The Woodlands-Sugar LandMapped market area
Area code26420CBSA / MSA reference
Featured communityConroeFrom the county record
Data year2026Aligned with this limit record
Conroe
Top cities & communities

Communities to explore.

Conroe
Questions & Answers

Refinancing in Montgomery County

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

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