TX mortgage rates

Erath County

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

Erath 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 Erath 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 Erath

A local view of the market.

Erath County, Texas, has seen a rise in real estate market activity, with the median home list price reaching $355,000 as of October 2024, marking a 12.7% increase from the previous year. The county's housing market offers a diverse range of properties, from affordable options to more luxurious homes, catering to various buyer needs. The top cities in Erath County include Stephenville, Dublin, and Bluff Dale. Stephenville, the largest city, has a median home price of $396,500 and is known for its vibrant community and educational institutions. Dublin offers a more affordable median home price of $389,900, while Bluff Dale is known for its higher-end properties with a median price of $517,000. Living in Erath County provides a mix of rural and suburban experiences, with a strong emphasis on agriculture and ranching. The county's economy is supported by industries such as agriculture, education, and healthcare. Many people are drawn to Erath County for its peaceful rural lifestyle, affordable housing, and the opportunity to engage in agricultural activities, making it an attractive destination for those seeking a quieter, more community-oriented way of life.

County snapshot

Market context.

TX

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

Market areaStephenvilleMapped market area
Area code44500CBSA / MSA reference
Featured communityStephenvilleFrom the county record
Data year2026Aligned with this limit record
Stephenville
Top cities & communities

Communities to explore.

Stephenville
Questions & Answers

Refinancing in Erath County

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

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