TX mortgage rates

Floyd County

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

Floyd 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 Floyd 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 Floyd

A local view of the market.

The real estate market in Floyd County, Texas, has seen a decline in home values over the past year. As of October 2024, the median home list price was $38,703, with a median price per square foot of $56. This represents a significant decrease from previous years, reflecting a trend of declining property values in the area. Floyd County is home to two main cities: Floydada and Lockney. Floydada, the county seat, has a population of approximately 2,500 residents, while Lockney has around 1,800 residents. These small towns are the primary population centers in the county, offering a rural lifestyle with close-knit communities. Living in Floyd County is characterized by a predominantly rural setting, with agriculture being a significant part of the local economy. The county's landscape is dotted with farms and ranches, contributing to its agricultural output. The area offers a quiet, country lifestyle, which may attract those looking to escape the hustle and bustle of urban centers. The top industries in the region include agriculture and related services, which play a crucial role in the local economy.

Questions & Answers

Refinancing in Floyd County

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

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