TX mortgage rates

Victoria County

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

Victoria 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 Victoria 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 Victoria

A local view of the market.

Victoria County, Texas, has seen a notable increase in the real estate market, with the median home list price reaching $289,000 in October 2024, marking a 2.5% rise from the previous month. The median price per square foot stands at $155, reflecting the county's growing appeal among homebuyers. The county's largest city, Victoria, serves as the economic and cultural hub, with a population of approximately 65,000 residents. Other notable cities include Port Lavaca and Edna, contributing to the county's vibrant community life and offering diverse amenities and services. Victoria County offers a blend of rural and suburban living, characterized by its agricultural roots and suburban developments. The top industries include agriculture, manufacturing, and healthcare, attracting individuals seeking employment opportunities and a quieter lifestyle. The county's real estate market is influenced by migration patterns, with people moving in for its affordable housing, job prospects, and the appeal of a more relaxed, rural-suburban environment.

County snapshot

Market context.

TX

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

Market areaVictoriaMapped market area
Area code47020CBSA / MSA reference
Featured communityVictoriaFrom the county record
Data year2026Aligned with this limit record
Victoria
Top cities & communities

Communities to explore.

Victoria
Questions & Answers

Refinancing in Victoria County

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

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