Mortgage Refinance Rates in Texas (2026)
With Texas's median value near $335,000, a homeowner refinancing a typical $228,000 balance from about 7.50% to 6.25% saves roughly $190/month — breaking even on ~$5,700 of costs near month 30.
Most Texas owners have built real equity. A cash-out refinance can tap up to 80% of value, and a rate-and-term refinance simply lowers the payment. Texas uses the $806,500 conforming baseline statewide.
Refinance snapshot by Texas county
| County | Est. Value | 2026 Conforming Limit | Tier |
|---|---|---|---|
| Harris County | $335,000 | $806,500 | Baseline |
| Dallas County | $375,000 | $806,500 | Baseline |
| Tarrant County | $345,000 | $806,500 | Baseline |
| Bexar County | $310,000 | $806,500 | Baseline |
| Travis County | $510,000 | $806,500 | Baseline |
| Fort Bend County | $400,000 | $806,500 | Baseline |
| Hidalgo County | $210,000 | $806,500 | Baseline |
| El Paso County | $230,000 | $806,500 | Baseline |
| Montgomery County | $400,000 | $806,500 | Baseline |
| Williamson County | $440,000 | $806,500 | Baseline |
| Cameron County | $200,000 | $806,500 | Baseline |
| Brazoria County | $360,000 | $806,500 | Baseline |
| Bell County | $290,000 | $806,500 | Baseline |
| Nueces County | $280,000 | $806,500 | Baseline |
| Galveston County | $360,000 | $806,500 | Baseline |
| Lubbock County | $240,000 | $806,500 | Baseline |
| McLennan County | $290,000 | $806,500 | Baseline |
| Collin County | $335,000 | $806,500 | Baseline |
| Denton County | $335,000 | $806,500 | Baseline |
| Webb County | $335,000 | $806,500 | Baseline |
| Jefferson County | $335,000 | $806,500 | Baseline |
| Hays County | $335,000 | $806,500 | Baseline |
| Smith County | $335,000 | $806,500 | Baseline |
| Brazos County | $335,000 | $806,500 | Baseline |
| Ellis County | $335,000 | $806,500 | Baseline |
| Comal County | $335,000 | $806,500 | Baseline |
| Guadalupe County | $335,000 | $806,500 | Baseline |
| Midland County | $335,000 | $806,500 | Baseline |
| Johnson County | $335,000 | $806,500 | Baseline |
| Ector County | $335,000 | $806,500 | Baseline |
| Kaufman County | $335,000 | $806,500 | Baseline |
| Taylor County | $335,000 | $806,500 | Baseline |
| Wichita County | $335,000 | $806,500 | Baseline |
| Gregg County | $335,000 | $806,500 | Baseline |
| Parker County | $335,000 | $806,500 | Baseline |
Should you refinance in Texas?
It comes down to your break-even. Take your closing costs (often 2-5% of the balance) and divide by your monthly savings — if you will stay in the home past that month count, refinancing usually wins. Cash-out makes sense when the rate and use of funds beat your other borrowing options.
Never Miss a Rate Worth Refinancing For
Refinance rates move daily and the right dip can save hundreds a month. We will tell you the moment it makes sense.
Frequently Asked Questions
- How much can refinancing save in Texas?
- On a $228,000 balance near the Texas median, dropping from ~7.50% to 6.25% saves about $190/month. Your figure depends on your current rate and balance.
- What is the conforming loan limit in Texas for 2026?
- Most Texas counties use the $806,500 baseline; high-cost counties go up to $1,209,750. Above that, refinances are jumbo loans.