Mortgage Refinance Rates in Jefferson County, Texas (2026)
For Jefferson County homeowners, the refinance question in 2026 is simple: on a $246,000 balance, a move from 7.50% down to 6.25% frees up roughly $205 every month — and equity near Jefferson County opens cash-out room too.
Jefferson County rate-and-term refinance
On a representative $246,000 loan in Jefferson County, the before-and-after looks like this:
| Payment | Per Month |
|---|---|
| Today (~7.50%) | $1,720 |
| Refinanced (~6.25%) | $1,515 |
| What you would save | $205 |
Figures assume a 30-year term and Texas escrows — your actual numbers move with your credit and loan size. Get alerts when rates drop.
Jefferson County refinance by loan size
Bigger balances save more each month. Here is the same 7.50%-to-6.25% move across three Jefferson County loan sizes:
| Balance | Now (~7.50%) | Refi (~6.25%) | Monthly Saved |
|---|---|---|---|
| $172,000 | $1,203 | $1,059 | $144 |
| $246,000 | $1,720 | $1,515 | $205 |
| $332,000 | $2,321 | $2,044 | $277 |
Jefferson County payment by interest rate
Here is the monthly principal and interest on a $246,000 Jefferson 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% | $1,397 | $2,010 |
| 5.75% | $1,436 | $2,043 |
| 6.00% | $1,475 | $2,076 |
| 6.25% | $1,515 | $2,109 |
| 6.50% | $1,555 | $2,143 |
| 6.75% | $1,596 | $2,177 |
| 7.00% | $1,637 | $2,211 |
A 15-year refinance of $246,000 near Jefferson County runs about $2,109/month versus $1,515 on a 30-year — a higher payment near Jefferson County but far less total interest over the life of the Jefferson County loan.
Jefferson County cash-out options
Need cash for a project near Jefferson County? An 80%-LTV cash-out refinance frees up about $43,600 of your Jefferson County equity in a single new loan.
| Cash-Out Figure | Amount |
|---|---|
| Appraised value (est.) | $362,000 |
| Balance you owe now | $246,000 |
| Max new loan at 80% LTV | $289,600 |
| Cash you could pull out | $43,600 |
In Jefferson County, Texas, property taxes average roughly 1.68% of value, so escrow on a $362,000 home adds about $507/month beyond principal and interest. A $246,000 balance sits near 68% loan-to-value, leaving about $116,000 in equity — room for a rate-and-term refinance now and a cash-out later around Jefferson County.
Jefferson County loan limits for 2026
Jefferson 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.
- Jefferson County value about $362,000 with a $246,000 balance (~68% LTV).
- Monthly savings near $205; break-even around month 30 on $6,150 of costs.
- Five-year net of about $6,174 and cash-out room near $43,600.
- Conforming limit $806,500; current equity roughly $116,000 near Jefferson County.
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Frequently Asked Questions
- What could a refinance save me in Jefferson County?
- On a typical $246,000 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 Jefferson County?
- Conventional cash-out refinances are capped at 80% of appraised value. On an estimated $362,000 Jefferson County home with a $246,000 balance, that is about $43,600 in available cash.
- When does a Jefferson 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 Jefferson County?
- Divide your closing costs (about $6,150 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 Jefferson County-area home?
- On an estimated $362,000 value with a $246,000 balance, that is about $116,000 in equity — roughly 32%. A conventional cash-out requires you to keep 20%.
- Is now a good time to refinance in Jefferson 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 $246,000 Jefferson County balance, that move is worth roughly $205 a month.