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.

2026 Mortgage Loan Limits
Ellis County
Conforming Loan Limits
Per propertyFHA Loan Limits
Per propertyEstimate Your Refinance in Ellis 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.
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.
Market context.
Public location data associated with this county record. Optional fields are shown only when present in the source.
Communities to explore.
Refinancing in Ellis County
Common questions about 2026 loan limits and refinancing opportunities in Texas.
Your rate opportunity should feel clear.
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