TX mortgage rates

Archer County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Archer County, Texas. Use the verified baseline numbers below to calculate your refinance payment, evaluate your home equity, and monitor when rate alerts make refinancing advantageous.

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2026 limits

2026 Mortgage Loan Limits

Archer County

Conforming Loan Limits

Per property
1 unit$832,750
2 units$1,066,250
3 units$1,288,800
4 units$1,601,750

FHA Loan Limits

Per property
1 unit$541,287
2 units$693,050
3 units$837,700
4 units$1,041,125

Source: Official Federal Housing Finance Agency (FHFA) and HUD loan limit schedules. Conforming data represents conventional maximums. Last synchronized: 2026 update cycle.

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Refinance Payment Estimate

Estimate Your Refinance in Archer County

Use your current mortgage details to estimate a new refinance payment and potential monthly savings.

Estimated New Monthly Payment$2,528Principal & interest only
Home value − mortgage balance
Mortgage balance ÷ home value
Added to the proposed new loan
Proposed New Loan Amount$400,000
Estimated New Payment$2,528
Estimated Monthly SavingsAdd current rate

Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Archer

A local view of the market.

Archer County, Texas, has seen a notable increase in its real estate market, with the median listing home price reaching $255,000 as of October 2024, marking a 10.9% rise year-over-year. The median price per square foot is $139, and homes are selling for a median price of $353,400. This upward trend indicates a growing demand in the area, although it remains a buyer's market with homes typically selling after 68 days on the market. The county is home to several small cities, with Archer City being the most affordable, having a median listing home price of $175,000. Holliday, another prominent city, has a median listing price of $229,000. Lakeside City is the most expensive, with a median price of $332,500. These cities contribute to the county's charm, offering a mix of rural and suburban living options. Living in Archer County offers a blend of rural and suburban lifestyles, with agriculture playing a significant role in the local economy. The county's landscape is dotted with farms and ranches, providing a serene environment for those seeking a quieter life. The top industries include agriculture, education, and local government. People are drawn to Archer County for its affordable housing and the opportunity to enjoy a rural lifestyle while still being within reach of urban amenities in nearby cities.

County snapshot

Market context.

TX

Public location data associated with this county record. Optional fields are shown only when present in the source.

Market areaWichita FallsMapped market area
Area code48660CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Archer County

Common questions about 2026 loan limits and refinancing opportunities in Texas.

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