TX mortgage rates

Knox County

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

Knox 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 Knox 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 Knox

A local view of the market.

The real estate market in Knox County, Texas, has seen fluctuations in recent times. As of October 2024, the median listing home price in the county was $75,000, marking a significant decrease of 41.2% compared to the previous year. Additionally, the average home value is reported to be $62,388, which is a 9.5% decrease over the past year. Knox County comprises several small cities, with Knox City and Munday being among the most notable. Knox City has a median listing home price of $92,500, while Munday's median is $64,000. These cities, along with Benjamin, contribute to the county's rural charm and small-town atmosphere. Living in Knox County offers a predominantly rural lifestyle, with agriculture and farming playing significant roles in the local economy. The county's landscape is characterized by open spaces and farmland, providing a peaceful environment away from urban hustle. The top industries include agriculture and related services, which attract individuals seeking a quieter, more community-focused lifestyle. Real estate migration patterns suggest that people may move to Knox County for its affordability and the appeal of rural living.

Questions & Answers

Refinancing in Knox County

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

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