TX mortgage rates

Castro County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Castro 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

Castro 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 Castro 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 Castro

A local view of the market.

The real estate market in Castro County, Texas, has seen some fluctuations recently. As of October 2024, the median listing home price is approximately $178,000, reflecting a 14.8% increase year-over-year. However, the average home value is reported to be $107,941, which is a decrease of 10.8% over the past year. The median price per square foot is around $93, and homes typically spend about 57 days on the market. Castro County is home to several small cities, with Dimmitt being the largest. Dimmitt has a median listing home price of $162,000 and is known for its affordable housing options. Other notable cities include Hart and Nazareth, each with a small number of homes for sale, reflecting the county's rural character. Living in Castro County offers a predominantly rural lifestyle, with agriculture being a significant part of the local economy. The county's landscape is characterized by farms and open spaces, providing a peaceful environment away from urban hustle. The top industries include agriculture and livestock, which attract people seeking a quieter, more agrarian lifestyle. Migration patterns suggest that people are moving to Castro County for its affordable housing and the opportunity to engage in farming and related activities.

Questions & Answers

Refinancing in Castro County

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

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