TX mortgage rates

San Jacinto County

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

San Jacinto 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 San Jacinto 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 San Jacinto

A local view of the market.

San Jacinto County, Texas, has a dynamic real estate market with a median listing home price of $289,500 as of October 2024. This reflects a 3.4% increase from the previous year, indicating a growing demand for housing in the area. The median price per square foot is $177, and homes typically sell for around $275,000, slightly below the listing price, with an average of 79 days on the market. The county is home to several notable cities, including Coldspring, Shepherd, and Cape Royale. Coldspring, the county seat, has a median listing home price of $364,300, while Shepherd is more affordable with a median price of $234,000. Cape Royale, known for its scenic views and recreational opportunities, has the highest median listing price at $405,000. Living in San Jacinto County offers a mix of rural and suburban lifestyles, with a strong emphasis on agriculture and outdoor activities. The county's economy is supported by industries such as agriculture, forestry, and tourism, attracting people seeking a quieter, more nature-oriented lifestyle. The area's affordability and proximity to larger cities make it an attractive option for those looking to escape urban congestion while maintaining access to city amenities.

Questions & Answers

Refinancing in San Jacinto County

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

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