TX mortgage rates

Palo Pinto County

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

Palo Pinto 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 Palo Pinto 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 Palo Pinto

A local view of the market.

The real estate market in Palo Pinto County, Texas, has seen significant growth, with the median home list price reaching $345,000 in October 2024, marking a 25.5% increase from the previous year. This rise in property values reflects a strong demand in the area, with homes being listed at an average of $186 per square foot. Palo Pinto County is home to several notable cities, including Mineral Wells, which has a population of approximately 15,000, and the smaller city of Palo Pinto, which serves as the county seat. These cities offer a blend of small-town charm and access to natural attractions, contributing to their appeal for residents seeking a quieter lifestyle. Living in Palo Pinto County offers a mix of rural and suburban experiences, with a strong emphasis on agriculture and farming. The county's economy is supported by industries such as agriculture, tourism, and energy. Many people are drawn to the area for its scenic landscapes and recreational opportunities, including Possum Kingdom Lake, making it an attractive destination for those looking to escape the hustle and bustle of urban life.

County snapshot

Market context.

TX

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

Market areaMineral WellsMapped market area
Area code33420CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Palo Pinto County

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

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