Lenders reported 233 reverse mortgages originated on homes in Harris County, Texas in 2025 under the Home Mortgage Disclosure Act (HMDA). That ranks Harris County 2nd among the 11 Texas counties South River Mortgage has local guides for. Below is what that local data says for homeowners 62 and older, and what to check before you apply.
Harris County at a glance
| Reverse mortgages originated (HMDA 2025) | 233 |
|---|---|
| Reverse-mortgage share of HMDA-reported originations (2025) | 0.37% |
| Median property value on those reverse mortgages (HMDA 2025) | About $305,000 |
| Median note rate on those reverse mortgages (HMDA 2025) | 6.25% |
| Median value of owner-occupied homes (ACS 2020–2024) | $276,600 |
| Median yearly real estate taxes, owner-occupied homes (ACS 2020–2024) | $4,489 |
| Median family income for the surrounding metro or non-metro area (FFIEC estimate, 2025) | $102,000 |
| FHA HECM maximum claim amount, nationwide (2026) | $1,249,125 |
Sources and definitions are listed under About this data.
What the numbers mean for a Harris County homeowner
Home values and the HECM limit
The typical owner-occupied home in Harris County is valued at about $276,600, below the 2026 FHA limit of $1,249,125. For a HECM (the FHA-insured reverse mortgage) on a home you already own, the amount available is based on the lower of the appraised value and that limit, together with the age of the youngest borrower or eligible non-borrowing spouse and current interest rates. For a home appraised below the limit, the appraised value is the starting value used in the calculation. A HECM for Purchase also considers the sale price.
Property taxes
Owner-occupied homes in Harris County pay a median of $4,489 a year in real estate taxes, about $374 a month (Census ACS 2020–2024). With a reverse mortgage you still pay property taxes, homeowners insurance and upkeep. As part of the HECM financial assessment, lenders check that you can keep paying them and may set aside part of the loan, called a Life Expectancy Set-Aside, to pay property taxes and applicable insurance.
Interest rates
The median note rate on 2025 reverse mortgages in Harris County was 6.25%, across 233 loans that reported a rate. Rates depend on the product (fixed or adjustable), the lender's margin and when the loan was locked, so treat this as background, not a quote.
To see what you could receive at your age and home value, use our reverse mortgage calculator or request a free quote.
Where Harris County is in Texas
Before you apply
- HUD-approved counseling. Every HECM borrower must meet with a HUD-approved housing counselor before the loan can move forward. Find one with HUD's HECM counselor search or by calling HUD at 800-569-4287.
- Eligibility. The youngest borrower must be at least 62, and the home must be your primary residence. See the full HECM eligibility requirements.
- Check your lender's license. South River Mortgage (NMLS ID 1854524) lists its Texas license on our licensing information page. You can confirm any lender on NMLS Consumer Access.
Talk to a reverse mortgage specialist about your Harris County home
Call (844) 230-6679 or get a free quote online.
Nearby county guides
- Reverse Mortgages in Montgomery County, Texas
- Reverse Mortgages in Fort Bend County, Texas
- Reverse Mortgages in Williamson County, Texas
- Reverse Mortgages in Travis County, Texas
- Texas reverse mortgage lenders: statewide guide
Frequently asked questions
How many reverse mortgages were made in Harris County in 2025?
Lenders reported 233 reverse mortgage originations in Harris County, Texas in 2025 (HMDA). This counts new loans made that year, not loans still outstanding. Some lenders are exempt from reporting whether a loan is a reverse mortgage, so the true number may be higher.
Does the HECM limit affect homeowners in Harris County?
The typical owner-occupied home in Harris County is valued at about $276,600, below the 2026 FHA limit of $1,249,125. For a HECM (the FHA-insured reverse mortgage) on a home you already own, the amount available is based on the lower of the appraised value and that limit, together with the age of the youngest borrower or eligible non-borrowing spouse and current interest rates. For a home appraised below the limit, the appraised value is the starting value used in the calculation. A HECM for Purchase also considers the sale price.
Do I still pay property taxes with a reverse mortgage in Harris County?
Owner-occupied homes in Harris County pay a median of $4,489 a year in real estate taxes, about $374 a month (Census ACS 2020–2024). With a reverse mortgage you still pay property taxes, homeowners insurance and upkeep. As part of the HECM financial assessment, lenders check that you can keep paying them and may set aside part of the loan, called a Life Expectancy Set-Aside, to pay property taxes and applicable insurance.
About this data
- Reverse mortgages, property values, note rates and area income: FFIEC HMDA 2025 loan records for loans originated on homes in the county and flagged as reverse mortgages (HECM and proprietary). These are new loans made that year, not loans outstanding. Lenders that are exempt from reporting the reverse-mortgage flag are not counted, so counts are a minimum. HMDA reports property values in $10,000 ranges, so values are approximate. Area income is the FFIEC estimate for the metro area, metro division or state non-metro area that contains the county.
- Home values and real estate taxes: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024, tables B25077 and B25103, owner-occupied homes, county-wide.
- HECM limit: HUD Mortgagee Letter 2025-22 (December 11, 2025), effective for 2026.
- Data retrieved September 28, 2026. Figures describe the county as a whole and are not a quote or an offer of credit.