TX mortgage rates

Polk County

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

Polk 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 Polk 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
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Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Polk

A local view of the market.

Polk County, Texas, has seen a steady increase in its real estate market, with the average home value currently at $177,164, reflecting a 2.7% rise over the past year. The county offers a mix of affordable housing options, making it an attractive location for potential homebuyers. The top cities in Polk County include Livingston and Onalaska. Livingston, the largest city, has a population of approximately 5,730, while Onalaska has about 3,084 residents. These cities provide a blend of small-town charm and essential amenities, contributing to their appeal as desirable places to live. Living in Polk County offers a predominantly rural lifestyle with suburban elements, characterized by its rich timber and agricultural industries. The county's economy is supported by healthcare, tourism, and oil field services, attracting individuals seeking job opportunities in these sectors. The migration patterns suggest that people are moving to Polk County for its affordable living, natural beauty, and the promise of a quieter, community-oriented life.

Questions & Answers

Refinancing in Polk County

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

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