Mortgage Refinance Rates in Harris County, Texas (2026)
If you own in Harris County or elsewhere in Harris County, Texas, a refinance could cut your payment by around $177/month — the gap between a ~7.50% rate and today's example 6.25% on a $212,000 loan.
Refinance savings in Harris County
Here is how a rate-and-term refinance changes the monthly payment on a representative Harris County balance:
| Payment | Per Month |
|---|---|
| Today (~7.50%) | $1,482 |
| Refinanced (~6.25%) | $1,305 |
| What you would save | $177 |
Illustrative only; the rate you are quoted near Harris County depends on your credit, equity, and the day you lock. Get alerts when rates drop.
Three Harris County-area balances compared
Bigger balances save more each month. Here is the same 7.50%-to-6.25% move across three Harris County loan sizes:
| Balance | Now (~7.50%) | Refi (~6.25%) | Monthly Saved |
|---|---|---|---|
| $148,000 | $1,035 | $911 | $124 |
| $212,000 | $1,482 | $1,305 | $177 |
| $286,000 | $2,000 | $1,761 | $239 |
What each rate costs near Harris County
Here is the monthly principal and interest on a $212,000 Harris 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% | $1,204 | $1,732 |
| 5.75% | $1,237 | $1,760 |
| 6.00% | $1,271 | $1,789 |
| 6.25% | $1,305 | $1,818 |
| 6.50% | $1,340 | $1,847 |
| 6.75% | $1,375 | $1,876 |
| 7.00% | $1,410 | $1,906 |
A 15-year refinance of $212,000 near Harris County runs about $1,818/month versus $1,305 on a 30-year — a higher payment near Harris County but far less total interest over the life of the Harris County loan.
Cash-out refinance in Harris County
With values near $312,000, an 80% cash-out leaves about $37,600 available in Harris County after paying off the current $212,000 balance.
| Cash-Out Figure | Amount |
|---|---|
| Appraised value (est.) | $312,000 |
| Balance you owe now | $212,000 |
| Max new loan at 80% LTV | $249,600 |
| Cash you could pull out | $37,600 |
In Harris County, Texas, property taxes average roughly 1.68% of value, so escrow on a $312,000 home adds about $437/month beyond principal and interest. A $212,000 balance sits near 68% loan-to-value, leaving about $100,000 in equity — room for a rate-and-term refinance now and a cash-out later around Harris County.
Harris County loan limits for 2026
Harris 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.
- Harris County value about $312,000 with a $212,000 balance (~68% LTV).
- Monthly savings near $177; break-even around month 30 on $5,300 of costs.
- Five-year net of about $5,321 and cash-out room near $37,600.
- Conforming limit $806,500; current equity roughly $100,000 near Harris County.
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Frequently Asked Questions
- How much can I save refinancing in Harris County in 2026?
- On a typical $212,000 balance, moving from about 7.50% to 6.25% saves roughly $177/month in principal and interest. Your savings depend on your current rate, balance, and term.
- How much cash can I take out of my Harris County-area home?
- Conventional cash-out refinances are capped at 80% of appraised value. On an estimated $312,000 Harris County home with a $212,000 balance, that is about $37,600 in available cash.
- What is the conforming loan limit in Harris County for 2026?
- The 2026 conforming limit is $806,500 for a one-unit home (the national baseline). Refinances above that are jumbo loans.
- When does a refinance pay off in Harris County?
- Divide your closing costs (about $5,300 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 Harris County-area home?
- On an estimated $312,000 value with a $212,000 balance, that is about $100,000 in equity — roughly 32%. A conventional cash-out requires you to keep 20%.
- Is now a good time to refinance in Harris 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 $212,000 Harris County balance, that move is worth roughly $177 a month.