TX mortgage rates

Willacy County

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

Willacy 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 Willacy 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 Willacy

A local view of the market.

The real estate market in Willacy County, Texas, has seen a decline in home values over the past year. As of October 2024, the median listing home price was $234,800, representing a decrease of 13.7% from the previous year. Additionally, the average home value is reported at $103,632, down 2.3% over the past year. The top cities in Willacy County include Raymondville, Port Mansfield, and Lyford. Raymondville, the county seat, has a population of approximately 11,000 and is known for its affordability with a median home price of $199,000. Port Mansfield, a smaller community, is more expensive with a median home price of $409,500, attracting those interested in coastal living. Willacy County offers a predominantly rural lifestyle with a strong emphasis on agriculture, which is a key industry in the area. The county's economy is supported by farming and related industries, making it an attractive destination for those seeking a quieter, rural environment away from urban centers. The migration patterns suggest that people are moving to Willacy County for its affordable housing and rural charm, providing a contrast to the bustling suburban life found in larger Texas cities.

County snapshot

Market context.

TX

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

Market areaRaymondvilleMapped market area
Area code39700CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Willacy 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.