TX mortgage rates

Smith County

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

Smith 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 Smith 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 Smith

A local view of the market.

The real estate market in Smith County, Texas, has seen some fluctuations recently. As of 2024, the average home value in the county is approximately $271,731, reflecting a slight decrease of 0.6% over the past year. Homes in the area typically go to pending status in about 38 days, indicating a moderately active market. Smith County is home to several notable cities, with Tyler being the largest and most prominent. Tyler, often referred to as the "Rose Capital of America," has a population of around 107,000 residents. Other significant cities in the county include Lindale and Whitehouse, which contribute to the county's diverse urban landscape. Living in Smith County offers a mix of rural and suburban experiences. The county is known for its agricultural roots, with farming and related industries playing a significant role in the local economy. Suburban life is also prevalent, particularly in areas closer to Tyler. The top industries in the county include healthcare, education, and manufacturing. Many people are drawn to Smith County for its affordable housing, quality of life, and the balance it offers between rural charm and suburban convenience.

County snapshot

Market context.

TX

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

Market areaTylerMapped market area
Area code46340CBSA / MSA reference
Featured communityTylerFrom the county record
Data year2026Aligned with this limit record
Tyler
Top cities & communities

Communities to explore.

Tyler
Questions & Answers

Refinancing in Smith County

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

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