TX mortgage rates

Deaf Smith County

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

Deaf Smith 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 Deaf Smith 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 Deaf Smith

A local view of the market.

Deaf Smith County, Texas, has a real estate market characterized by a median listing home price of $217,000 as of October 2024, which represents a decrease of 14.9% compared to the previous year. The average price per square foot is $124, indicating a market with relatively affordable housing options. The county's largest city is Hereford, which is also the county seat. Hereford has a population of approximately 15,000 residents, making it the primary urban center in the county. The city is known for its agricultural industry, particularly cattle ranching, which plays a significant role in the local economy. Living in Deaf Smith County offers a predominantly rural lifestyle, with a strong emphasis on agriculture and farming. The county's economy is largely driven by agriculture, with cattle ranching and crop production being major industries. The area attracts individuals and families seeking a quieter, rural environment, often moving from urban areas for the space and affordability. The county's suburban life is centered around Hereford, providing essential services and amenities while maintaining a small-town charm.

County snapshot

Market context.

TX

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

Market areaHerefordMapped market area
Area code25820CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Deaf Smith County

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

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