TX mortgage rates

Waller County

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

Waller 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 Waller 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 Waller

A local view of the market.

The real estate market in Waller County, Texas, is currently characterized as a buyer's market, with the median home sold price at $327,995 as of October 2024, reflecting a 3% increase from the previous year. Homes in the county are priced at an average of $159 per square foot, and the market has seen a slight increase in inventory, with 222 homes available for sale, marking an 8.8% rise from the previous month. Waller County is home to several notable cities, including Waller, Hempstead, and Brookshire. Waller, with a median listing home price of $414,500, is one of the larger cities in the county. Hempstead, known for its affordability, has a median listing price of $375,000, while Brookshire offers a median price of $390,000. These cities contribute significantly to the county's overall population and economic activity. Living in Waller County offers a blend of rural and suburban lifestyles, with a strong presence of agriculture and farming. The county's economy is supported by industries such as agriculture, manufacturing, and education, with Prairie View A&M University being a major employer. The area's appeal includes its proximity to Houston, providing both a peaceful rural environment and access to urban amenities, which attracts people seeking a balance between country and city life.

County snapshot

Market context.

TX

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

Market areaHouston-The Woodlands-Sugar LandMapped market area
Area code26420CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Waller 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.