TX mortgage rates

Franklin County

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

Franklin 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 Franklin 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 Franklin

A local view of the market.

Franklin County, Texas, has seen significant changes in its real estate market, with the median home price reaching $539,000 as of September 2024, marking a 92.4% increase from the previous year. This substantial rise indicates a strong demand for housing in the area, despite the average home taking 54 days to sell, which is longer compared to the previous year. The county includes notable cities such as Mount Vernon and Scroggins. Mount Vernon, the county seat, has a population of approximately 2,700 residents and is known for its historic charm and community events. Scroggins, although smaller, is popular for its proximity to recreational areas like Lake Cypress Springs, attracting those interested in outdoor activities and a quieter lifestyle. Living in Franklin County offers a blend of rural and suburban experiences, with a strong emphasis on agriculture and outdoor recreation. The area is characterized by its scenic landscapes, making it ideal for farming and ranching. The top industries include agriculture, tourism, and small manufacturing. People are drawn to Franklin County for its peaceful environment, lower cost of living compared to urban areas, and the appeal of a close-knit community, contributing to its growing popularity among those seeking a more relaxed lifestyle.

Questions & Answers

Refinancing in Franklin County

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

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