TX mortgage rates

Ellis County

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

Ellis 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$563,500
2 units$721,400
3 units$872,000
4 units$1,083,650

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 Ellis 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 Ellis

A local view of the market.

Ellis County, Texas, is experiencing a steady real estate market with a median listing home price of $454,900 as of October 2024, reflecting a 1.1% increase year-over-year. The homes in this area have a median sold price of $375,000, indicating a slight buyer's market where homes are selling close to the asking price. The county is home to several prominent cities, including Waxahachie, Midlothian, Red Oak, and Ennis. Waxahachie, the county seat, has a population of approximately 37,000, while Midlothian has around 35,000 residents. Red Oak and Ennis are smaller, with populations of about 12,000 and 20,000, respectively. Living in Ellis County offers a mix of rural and suburban lifestyles, with a strong presence of agriculture and suburban developments. The county's top industries include manufacturing, healthcare, and education, attracting people seeking a quieter lifestyle with access to urban amenities. The area is appealing for those looking to escape the hustle of larger cities while benefiting from the county's economic opportunities and community-focused living.

County snapshot

Market context.

TX

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

Market areaDallas-Fort Worth-ArlingtonMapped market area
Area code19100CBSA / MSA reference
Featured communitiesEnnis · Midlothian · WaxahachieFrom the county record
Data year2026Aligned with this limit record
EnnisMidlothianWaxahachie
Top cities & communities

Communities to explore.

EnnisMidlothianWaxahachie
Questions & Answers

Refinancing in Ellis County

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

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