TX mortgage rates

Montague County

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

Montague 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 Montague 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 Montague

A local view of the market.

In Montague County, Texas, the real estate market has shown a positive trend in 2024. The median listing home price in October 2024 was $295,000, marking a 7.3% increase from the previous year. The median price per square foot was $185, and homes sold for a median price of $272,800. The top cities in Montague County include Bowie, Nocona, and Sunset. Bowie, the largest city, has a median listing home price of $299,500, while Nocona's median price is $262,500. Sunset is known for its higher median listing price of $665,000, reflecting its more upscale market. Living in Montague County offers a mix of rural and suburban lifestyles, with a strong emphasis on agriculture and farming. The county's economy is supported by industries such as agriculture, manufacturing, and services. People are drawn to Montague County for its affordable housing, open spaces, and a quieter lifestyle compared to urban areas. This has led to a steady influx of residents seeking a balance between rural charm and suburban convenience.

Questions & Answers

Refinancing in Montague County

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

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