TX mortgage rates

Cooke County

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

Cooke 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 Cooke 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 Cooke

A local view of the market.

Cooke County, Texas, has seen a dynamic real estate market in 2024, with the median home list price reaching $347,616, reflecting a 7% increase from the previous year. The median price per square foot stands at $191, indicating a robust demand for housing in the area. Among the top cities in Cooke County, Gainesville is notable with a median listing home price of $320,000. Valley View and Lake Kiowa also feature prominently, with median listing prices of $555,100 and $550,000, respectively. These cities offer a mix of affordability and amenities, attracting a diverse population. Living in Cooke County offers a blend of rural and suburban experiences, with agriculture playing a significant role in the local economy. The county is characterized by its farming communities and suburban developments, providing a balanced lifestyle. The top industries include agriculture and manufacturing, and the area is attracting new residents due to its affordable housing and quality of life, making it an appealing destination for those seeking a quieter, rural environment with suburban conveniences.

County snapshot

Market context.

TX

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

Market areaGainesvilleMapped market area
Area code23620CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Cooke County

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

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