TX mortgage rates

Cherokee County

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

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

About Cherokee

A local view of the market.

The real estate market in Cherokee County, Texas, has seen a significant shift in recent times. As of October 2024, the median listing home price is $285,000, reflecting a downward trend of 2.6% compared to the previous year. Cherokee County is home to several notable cities, including Jacksonville, Rusk, and Alto. Jacksonville is the largest, with a population of approximately 14,500 residents, followed by Rusk with around 5,500 residents, and Alto with about 1,200 residents. Living in Cherokee County offers a blend of rural and suburban lifestyles, with agriculture playing a significant role in the local economy. The county's top industries include agriculture, manufacturing, and retail. Real estate migration patterns suggest that people are moving to Cherokee County for its affordable housing and the appeal of a quieter, rural lifestyle compared to urban areas.

County snapshot

Market context.

TX

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

Market areaJacksonvilleMapped market area
Area code27380CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Cherokee County

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

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