TX mortgage rates

Hopkins County

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

Hopkins 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 Hopkins 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
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Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Hopkins

A local view of the market.

The real estate market in Hopkins County, Texas, has seen significant growth over the past year. As of October 2024, the median home list price was $282,482, marking a 9.1% increase from the previous year. The median price per square foot reached $161, reflecting the rising demand and value in the area. Hopkins County is home to several notable cities, with Sulphur Springs being the largest. Sulphur Springs serves as the county seat and has a population of approximately 16,000 residents. Other significant towns include Como and Cumby, each contributing to the county's overall population and community life. Living in Hopkins County offers a blend of rural and suburban experiences. The county is characterized by its agricultural roots, with farming and ranching playing vital roles in the local economy. Residents enjoy a peaceful lifestyle with access to natural landscapes, making it an ideal location for those seeking a quieter, more rural setting.

County snapshot

Market context.

TX

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

Market areaSulphur SpringsMapped market area
Area code44860CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Hopkins County

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

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