TX mortgage rates

Washington County

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

Washington 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 Washington 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 Washington

A local view of the market.

The real estate market in Washington County, Texas, is currently characterized as neutral, with a median home sold price of $324,568 as of October 2024. This represents a 3% increase from the previous year, with the median price per square foot at $183. The market conditions suggest stability, with homes typically staying on the market for a standard duration. Washington County's notable cities include Brenham and Burton. Brenham, the county seat, is the largest city with a population of approximately 17,000. It is known for its charming downtown and as the home of Blue Bell Creameries. Burton, a smaller city, has a population of around 300 and offers a quaint, rural lifestyle with a strong sense of community. Living in Washington 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 scenic landscapes, including rolling hills and farmland, making it attractive for those seeking a quieter, country lifestyle. The top industries include agriculture, manufacturing, and retail trade. The county has seen migration patterns where people move for its rural charm, affordable housing, and proximity to larger cities like Houston and Austin.

County snapshot

Market context.

TX

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

Market areaBrenhamMapped market area
Area code14780CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Washington County

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

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