TX mortgage rates

Nacogdoches County

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

Nacogdoches 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 Nacogdoches 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 Nacogdoches

A local view of the market.

The real estate market in Nacogdoches County, Texas, has seen a notable shift over the past year. As of October 2024, the median list price for homes is $248,750, reflecting a significant decrease of 17.6% from the previous year. The median price per square foot stands at $144, indicating a more affordable housing market compared to other regions. Nacogdoches County is home to several key cities, with Nacogdoches being the largest and most prominent. Nacogdoches, often referred to as "The Oldest Town in Texas," has a population of approximately 33,000 residents. Other notable cities include Garrison and Cushing, which are smaller but contribute to the county's overall rural charm and community-oriented lifestyle. Living in Nacogdoches County offers a blend of rural and suburban experiences. The county is known for its agricultural roots, with farming and forestry being significant industries. The area attracts those seeking a quieter, more laid-back lifestyle, often appealing to retirees and families looking for more space and a connection to nature. The migration patterns suggest that people are moving to Nacogdoches County for its affordable housing and the appeal of a rural lifestyle with suburban 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 areaNacogdochesMapped market area
Area code34860CBSA / MSA reference
Featured communityNacogdochesFrom the county record
Data year2026Aligned with this limit record
Nacogdoches
Top cities & communities

Communities to explore.

Nacogdoches
Questions & Answers

Refinancing in Nacogdoches County

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

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