TX mortgage rates

Kent County

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

Kent 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 Kent 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 Kent

A local view of the market.

Kent County, Texas, features a real estate market with a median home value of approximately $76,400, significantly lower than the national average. The county's housing market is characterized by a high ownership rate, with 81% of residents owning their homes, reflecting a stable and affordable housing environment. The county includes a few small towns, with Jayton being the largest city and the county seat. Jayton has a population of around 500 residents, offering a close-knit community atmosphere. Other notable areas include Girard, which is even smaller, emphasizing the rural nature of the county. Living in Kent County is predominantly rural, with a landscape dominated by agriculture and ranching. The county's economy is largely supported by farming and livestock, with limited suburban development. People may be drawn to Kent County for its quiet, rural lifestyle and affordable living costs, making it an attractive option for those seeking a slower pace of life away from urban centers.

Questions & Answers

Refinancing in Kent County

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

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