TX mortgage rates

Orange County

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

Orange 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 Orange 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 Orange

A local view of the market.

The real estate market in Orange County, Texas, has seen a slight decline, with the average home value currently at $171,871, reflecting a 2.0% decrease over the past year. Homes in the area typically go to pending status in about 48 days, indicating a moderately active market. Orange County is home to several notable cities, including Orange, the county seat, with a population of approximately 18,500. Other significant cities include Vidor, with around 10,000 residents, and Bridge City, which has about 7,800 inhabitants. These cities contribute to the county's overall community and economic activities. Living in Orange County offers a mix of rural and suburban experiences. The county is characterized by its agricultural roots, with farming and related industries playing a significant role in the local economy. Suburban life is also prominent, with many residents commuting to nearby cities for work. The top industries in the area include manufacturing, healthcare, and education. People may be drawn to Orange County for its affordable housing and the balance of rural charm with suburban conveniences.

County snapshot

Market context.

TX

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

Market areaBeaumont-Port ArthurMapped market area
Area code13140CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Orange 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.