TX mortgage rates

Crosby County

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

Crosby 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 Crosby 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 Crosby

A local view of the market.

Crosby County, Texas, has a real estate market characterized by relatively low home values compared to national averages. The average home value in Crosby County is approximately $73,850, which has seen an increase of 3.9% over the past year. The county includes several small towns, with Crosbyton being the county seat. Crosbyton has a population of around 1,741 residents. Another notable town is Ralls, with a population of approximately 1,944 people. These towns are among the larger communities within the county, contributing to its rural charm and community-focused lifestyle. Living in Crosby County offers a predominantly rural experience, with agriculture being a significant part of the local economy. The area is known for its farming and ranching activities, providing a peaceful and spacious environment. The county attracts individuals seeking a quieter, more rural lifestyle, often moving from urban areas for the agricultural opportunities and the appeal of a close-knit community.

County snapshot

Market context.

TX

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

Market areaLubbockMapped market area
Area code31180CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Crosby County

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

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