Clay County
Clear, current 2026 mortgage and refinance loan limits for homeowners in Clay 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.

2026 Mortgage Loan Limits
Clay County
Conforming Loan Limits
Per propertyFHA Loan Limits
Per propertyEstimate Your Refinance in Clay County
Use your current mortgage details to estimate a new refinance payment and potential monthly savings.
Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.
A local view of the market.
The real estate market in Clay County, Texas, shows a median home value of approximately $175,282, which has seen a slight decrease of 1.4% over the past year. This reflects a stable market with moderate fluctuations, typical of rural counties where housing demand and supply are relatively balanced. Henrietta is the largest city and the county seat of Clay County, with a population of about 3,112. Other notable cities include Petrolia, with a population of 513, and Dean, which has around 497 residents. These cities contribute to the county's overall population, which is estimated to be around 10,977. Living in Clay County offers a predominantly rural lifestyle, with agriculture and farming being significant aspects of the local economy. The county is characterized by its open spaces and agricultural lands, providing a tranquil environment ideal for retirees and those seeking a quieter life. The community is conservative, with most residents owning their homes, and the local economy is supported by industries such as agriculture and small-scale manufacturing.
Market context.
Public location data associated with this county record. Optional fields are shown only when present in the source.
Refinancing in Clay County
Common questions about 2026 loan limits and refinancing opportunities in Texas.
Your rate opportunity should feel clear.
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