TX mortgage rates

San Patricio County

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

San Patricio 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 San Patricio 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 Patricio

A local view of the market.

The real estate market in San Patricio County, Texas, has seen a slight decline, with the average home value currently at $204,081, representing a decrease of 1.6% over the past year. Homes in this area typically go to pending status in about 56 days, indicating a moderately active market. San Patricio County includes several notable cities, with Sinton serving as the county seat. Other key cities include Portland, which has a population of around 16,000, and Aransas Pass, with approximately 8,000 residents. These cities are central to the county's economic and cultural activities. Living in San Patricio County offers a mix of rural and suburban experiences, with agriculture playing a significant role in the local economy. The county's top industries include petrochemicals and manufacturing, attracting workers and families seeking employment opportunities. The area's suburban lifestyle, combined with its agricultural roots, makes it appealing for those looking to escape larger urban centers while still enjoying modern 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 areaCorpus ChristiMapped market area
Area code18580CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in San Patricio 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.