TX mortgage rates

San Saba County

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

A local view of the market.

The real estate market in San Saba County, Texas, has seen a notable increase in home values. As of October 2024, the median home list price was $239,500, reflecting a 10.4% increase from the previous year. The median price per square foot was $143, indicating a strong demand for housing in the area. San Saba County comprises several small towns, with San Saba being the largest. San Saba has a population of approximately 3,000 residents, serving as the county seat and a hub for local activities. Richland Springs and Cherokee are other notable towns, each with populations under 500, offering a quaint and close-knit community atmosphere. Living in San Saba County offers a predominantly rural lifestyle, with agriculture and ranching being the primary industries. The county's economy is supported by farming and cattle ranching, attracting individuals seeking a peaceful, country living experience. The migration patterns suggest that people move to San Saba County for its affordable real estate, open spaces, and the opportunity to engage in agricultural activities.

Questions & Answers

Refinancing in San Saba County

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

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