TX mortgage rates

Jackson County

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

Jackson 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 Jackson 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 Jackson

A local view of the market.

The real estate market in Jackson County, Texas, has experienced notable changes recently. As of October 2024, the median home list price was $276,500, reflecting a significant increase of 38.3% from the previous year. The median price per square foot was $140, indicating a robust growth in property values within the county. Jackson County is home to several key cities, with Edna and Ganado being among the most prominent. Edna, the county seat, has a population of approximately 5,500 residents, while Ganado is smaller, with around 2,000 people. These cities serve as central hubs for the county's economic and social activities, offering a blend of small-town charm and essential amenities. Living in Jackson County offers a mix of rural and suburban lifestyles, with agriculture playing a significant role in the local economy. The county's landscape is dotted with farms and ranches, supporting industries such as cattle ranching and crop production. This agricultural backdrop, combined with affordable housing options, attracts individuals seeking a quieter, more rural lifestyle. Additionally, the county's proximity to larger cities provides residents with access to urban conveniences while enjoying the benefits of a rural setting.

Questions & Answers

Refinancing in Jackson County

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

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