TX mortgage rates

Starr County

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

Starr 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 Starr 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 Starr

A local view of the market.

Starr County, Texas, has a dynamic real estate market with a median listing home price of $219,500 as of October 2024, reflecting a 2.7% decrease from the previous year. The median price per square foot is $127, indicating affordability in the housing market. The top cities in Starr County include Rio Grande City, with a population of approximately 15,319, and Roma, which has about 11,531 residents. These cities serve as central hubs for the county, offering a blend of cultural and economic activities. Living in Starr County offers a mix of rural and suburban experiences, with agriculture playing a significant role in the local economy. The county is known for its farming and ranching, contributing to its rural charm. The top industries include agriculture, forestry, and transportation, attracting individuals seeking a quieter lifestyle or employment in these sectors. The county's proximity to the U.S.-Mexico border also influences migration patterns, drawing people for both economic opportunities and a lower cost of living.

County snapshot

Market context.

TX

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

Market areaRio Grande City-RomaMapped market area
Area code40100CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Starr 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.