Home Equity in Texas: How Much Can You Cash Out? (2026)
With Texas's median value near $335,000 and a typical $184,000 balance, homeowners can access about $100,750 at 85% combined LTV — through a HELOC, a fixed home equity loan, or a cash-out refinance.
Most Texas owners who bought years ago hold significant equity. A HELOC or home equity loan lets you borrow against it without touching a low first-mortgage rate.
Accessible equity by Texas county
| County | Est. Value | Equity at 85% CLTV |
|---|---|---|
| Harris County | $335,000 | $100,750 |
| Dallas County | $375,000 | $112,750 |
| Tarrant County | $345,000 | $103,250 |
| Bexar County | $310,000 | $92,500 |
| Travis County | $510,000 | $152,500 |
| Fort Bend County | $400,000 | $120,000 |
| Hidalgo County | $210,000 | $62,500 |
| El Paso County | $230,000 | $68,500 |
| Montgomery County | $400,000 | $120,000 |
| Williamson County | $440,000 | $132,000 |
| Cameron County | $200,000 | $60,000 |
| Brazoria County | $360,000 | $108,000 |
| Bell County | $290,000 | $86,500 |
| Nueces County | $280,000 | $84,000 |
| Galveston County | $360,000 | $108,000 |
| Lubbock County | $240,000 | $72,000 |
| McLennan County | $290,000 | $86,500 |
| Collin County | $335,000 | $100,750 |
| Denton County | $335,000 | $100,750 |
| Webb County | $335,000 | $100,750 |
| Jefferson County | $335,000 | $100,750 |
| Hays County | $335,000 | $100,750 |
| Smith County | $335,000 | $100,750 |
| Brazos County | $335,000 | $100,750 |
| Ellis County | $335,000 | $100,750 |
| Comal County | $335,000 | $100,750 |
| Guadalupe County | $335,000 | $100,750 |
| Midland County | $335,000 | $100,750 |
| Johnson County | $335,000 | $100,750 |
| Ector County | $335,000 | $100,750 |
| Kaufman County | $335,000 | $100,750 |
| Taylor County | $335,000 | $100,750 |
| Wichita County | $335,000 | $100,750 |
| Gregg County | $335,000 | $100,750 |
| Parker County | $335,000 | $100,750 |
How to tap equity in Texas
Start with your numbers: home value minus what you owe, capped at 85% of value. Then pick the tool — a revolving HELOC for flexible access, a fixed home equity loan for a lump sum, or a cash-out refinance if a new first-mortgage rate beats your current one. Compare two or three lenders, since margins and fees vary.
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Frequently Asked Questions
- How much home equity can I tap in Texas?
- On a $335,000 home with a $184,000 balance, about $100,750 at 85% CLTV. Your exact limit depends on the lender, your credit, and the appraisal.
- Is a HELOC or cash-out better in Texas?
- If your first mortgage rate is low, a HELOC or home equity loan is usually cheaper because it keeps that rate. A cash-out refinance only wins when today's rate beats your current one.