TX mortgage rates

Lamar County

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

Lamar 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 Lamar 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 Lamar

A local view of the market.

The real estate market in Lamar County, Texas, has shown a positive trend with the median home list price reaching $230,339 in October 2024, reflecting a 7.1% increase from the previous year. This growth indicates a rising demand for housing in the area, with the median price per square foot at $131. The market's upward trajectory suggests a healthy interest in the county's real estate offerings. Lamar County is home to several key cities, with Paris being the most prominent. Paris, Texas, serves as the county seat and is the largest city, offering a population of approximately 25,000 residents. Other notable cities include Reno and Blossom, which contribute to the county's overall population and economic activity. These cities provide a blend of small-town charm and essential amenities, making them attractive places to live. Living in Lamar County offers a mix of rural and suburban lifestyles, with a strong presence of agriculture and farming. The county's economy is supported by industries such as manufacturing, healthcare, and education. Real estate migration patterns indicate that people are moving to Lamar County for its affordable housing, peaceful rural environment, and the opportunity to enjoy a suburban lifestyle with access to larger cities nearby. This migration is driven by the desire for a quieter life while still being connected to urban conveniences.

County snapshot

Market context.

TX

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

Market areaParisMapped market area
Area code37580CBSA / MSA reference
Featured communityParisFrom the county record
Data year2026Aligned with this limit record
Paris
Top cities & communities

Communities to explore.

Paris
Questions & Answers

Refinancing in Lamar County

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

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