TX mortgage rates

Zapata County

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

Zapata 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 Zapata 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 Zapata

A local view of the market.

The real estate market in Zapata County, Texas, is characterized by affordable housing options, with a median listing home price of $135,000 as of October 2024. This represents a slight decrease of 2.2% year-over-year. The median price per square foot is $102, indicating a market that offers value for potential homebuyers. Zapata County includes several cities, with Zapata being the most prominent. Zapata has a median listing home price of $149,000 and is home to the majority of the county's population. Other notable areas include Siesta Shores, which is the most affordable with a median listing price of $45,000, and Falcon Lake Estates, with a median price of $95,000. Living in Zapata County offers a predominantly rural lifestyle, with a mix of agriculture and suburban living. The county's economy is supported by industries such as agriculture, retail, and services. People may be drawn to Zapata County for its affordable housing and the appeal of a quieter, rural lifestyle compared to urban areas. The county's proximity to Falcon Lake also makes it attractive for those interested in outdoor recreational activities.

County snapshot

Market context.

TX

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

Market areaZapataMapped market area
Area code49820CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Zapata County

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

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