TX mortgage rates

Freestone County

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

Freestone 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 Freestone 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 Freestone

A local view of the market.

The real estate market in Freestone County, Texas, is currently experiencing a buyer's market. As of October 2024, the median sold price for homes in the county was $249,450, which represents an 8.7% increase from the previous year. The median price per square foot was $139, indicating a competitive pricing trend for potential buyers. Freestone County includes several notable cities, with Fairfield being one of the largest, offering a range of housing options. Other significant cities include Teague, Wortham, and Streetman, each contributing to the county's diverse population and housing market. These cities provide a mix of rural and suburban living environments, catering to different lifestyle preferences. Living in Freestone County offers a blend of rural and suburban experiences, with agriculture playing a significant role in the local economy. The county's landscape supports farming and ranching, which are among the top industries. The area attracts people looking for a quieter, more rural lifestyle, away from the hustle and bustle of urban centers. Migration patterns suggest that individuals and families are drawn to the county for its affordable housing and the opportunity to enjoy a more relaxed, community-focused way of life.

Questions & Answers

Refinancing in Freestone County

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

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