TX mortgage rates

Morris County

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

Morris 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 Morris 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 Morris

A local view of the market.

The real estate market in Morris County, Texas, is characterized by affordable housing options. As of October 2024, the median listing home price was $192,000, which represents a decrease of 17.7% from the previous year. The median sold home price was slightly lower at $176,300, indicating a buyer-friendly market with homes selling for about 1.54% below the asking price. Morris County includes several small cities, with Daingerfield being the largest, having a population of approximately 2,498. Other notable cities include Naples with 1,404 residents, Lone Star with 1,396, and Omaha with a population of 932. Living in Morris County offers a predominantly rural experience with some suburban elements. The county's economy is supported by industries such as agriculture and manufacturing, which are central to the local lifestyle. The area attracts those seeking a quieter, more affordable lifestyle, away from the hustle and bustle of urban centers. This migration pattern is often driven by retirees and families looking for a more relaxed, community-oriented environment.

Questions & Answers

Refinancing in Morris County

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

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