TX mortgage rates

Travis County

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

Travis 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$571,550
2 units$731,700
3 units$884,450
4 units$1,099,150

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 Travis 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 Travis

A local view of the market.

The real estate market in Travis County, Texas, is currently characterized as a buyer's market, with the median home sold price at $523,900 as of October 2024. This price has remained stable compared to the previous year, and the median price per square foot is $288. The housing inventory has increased, with 6,758 homes for sale, marking a 6.9% rise from the previous month. Travis County includes several prominent cities, with Austin being the largest and most well-known. Austin has a population of approximately 964,000 people, making it a vibrant hub for culture and technology. Other notable cities in the county include Pflugerville, with a population of around 65,000, and Lakeway, which has about 19,000 residents. These cities contribute to the diverse urban landscape of the county. Living in Travis County offers a mix of suburban and urban experiences, with Austin providing a bustling city life, while areas like Pflugerville and Lakeway offer more suburban settings. The county is known for its strong technology sector, with many residents employed in tech, education, and healthcare. The area's appeal includes a combination of cultural amenities, educational opportunities, and a relatively affordable cost of living compared to other major tech hubs, which attracts new residents seeking a balanced lifestyle.

County snapshot

Market context.

TX

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

Market areaAustin-Round Rock-GeorgetownMapped market area
Area code12420CBSA / MSA reference
Featured communitiesAustin · Manor · PflugervilleFrom the county record
Data year2026Aligned with this limit record
AustinManorPflugerville
Top cities & communities

Communities to explore.

AustinManorPflugerville
Questions & Answers

Refinancing in Travis County

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

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