Mortgage Refinance Rates in Brazoria County, Texas (2026)
Homeowners in Brazoria County — anchored by Brazoria County — are watching refinance rates closely. On a typical $245,000 balance, dropping from about 7.50% to 6.25% trims roughly $205 a month off principal and interest.
How much you could save near Brazoria County
The payment comparison below uses a typical $245,000 Brazoria County balance at example rates:
| Monthly Principal & Interest | Amount |
|---|---|
| Current loan at ~7.50% | $1,713 |
| After refinancing at ~6.25% | $1,509 |
| Estimated monthly savings | $205 |
These are example figures for Brazoria County; a lender will price your exact rate from your file. Get alerts when rates drop.
Savings by balance in Brazoria County
Bigger balances save more each month. Here is the same 7.50%-to-6.25% move across three Brazoria County loan sizes:
| Balance | Now (~7.50%) | Refi (~6.25%) | Monthly Saved |
|---|---|---|---|
| $172,000 | $1,203 | $1,059 | $144 |
| $245,000 | $1,713 | $1,509 | $205 |
| $331,000 | $2,314 | $2,038 | $276 |
Brazoria County refinance payments at today's rates
Here is the monthly principal and interest on a $245,000 Brazoria County balance at a range of rates, for both 30- and 15-year terms:
| Rate | 30-yr P&I | 15-yr P&I |
|---|---|---|
| 5.50% | $1,391 | $2,002 |
| 5.75% | $1,430 | $2,035 |
| 6.00% | $1,469 | $2,067 |
| 6.25% | $1,509 | $2,101 |
| 6.50% | $1,549 | $2,134 |
| 6.75% | $1,589 | $2,168 |
| 7.00% | $1,630 | $2,202 |
A 15-year refinance of $245,000 near Brazoria County runs about $2,101/month versus $1,509 on a 30-year — a higher payment near Brazoria County but far less total interest over the life of the Brazoria County loan.
Tapping Brazoria County equity
Sitting on equity? A cash-out refinance in Brazoria County can go up to 80% of value — about $43,000 in your pocket on the numbers above — for renovations, debt payoff, or investing.
| Cash-Out Figure | Amount |
|---|---|
| Estimated home value | $360,000 |
| Typical current balance | $245,000 |
| 80% LTV ceiling (new loan) | $288,000 |
| Estimated cash available | $43,000 |
In Brazoria County, Texas, property taxes average roughly 1.68% of value, so escrow on a $360,000 home adds about $504/month beyond principal and interest. A $245,000 balance sits near 68% loan-to-value, leaving about $115,000 in equity — room for a rate-and-term refinance now and a cash-out later around Brazoria County.
Brazoria County loan limits for 2026
Brazoria County's 2026 conforming limit is $806,500 for a single-family home — the national baseline used across most of the South. Refinance a balance above it and you are in jumbo territory, which carries its own rates and guidelines.
- Brazoria County value about $360,000 with a $245,000 balance (~68% LTV).
- Monthly savings near $205; break-even around month 30 on $6,125 of costs.
- Five-year net of about $6,149 and cash-out room near $43,000.
- Conforming limit $806,500; current equity roughly $115,000 near Brazoria County.
Your Free Refinance Rate Watch
Free to join in under 30 seconds. Get notified when it is time to refinance.
Frequently Asked Questions
- What could a refinance save me in Brazoria County?
- On a typical $245,000 balance, moving from about 7.50% to 6.25% saves roughly $205/month in principal and interest. Your savings depend on your current rate, balance, and term.
- What is my cash-out limit in Brazoria County?
- Conventional cash-out refinances are capped at 80% of appraised value. On an estimated $360,000 Brazoria County home with a $245,000 balance, that is about $43,000 in available cash.
- When does a Brazoria County refinance turn jumbo?
- The 2026 conforming limit is $806,500 for a one-unit home (the national baseline). Refinances above that are jumbo loans.
- How fast do I break even in Brazoria County?
- Divide your closing costs (about $6,125 here) by your monthly savings. In this example you break even near month 30 — refinance only if you will keep the home past that.
- How much equity is in a typical Brazoria County-area home?
- On an estimated $360,000 value with a $245,000 balance, that is about $115,000 in equity — roughly 32%. A conventional cash-out requires you to keep 20%.
- Is now a good time to refinance in Brazoria County?
- A common rule of thumb: refinance when you can cut your rate by about 0.75 to 1% and stay past your break-even (near month 30 here). On a $245,000 Brazoria County balance, that move is worth roughly $205 a month.