TX mortgage rates

Potter County

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

Potter 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 Potter 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 Potter

A local view of the market.

Potter County, Texas, is experiencing a dynamic real estate market with a median home value of approximately $138,583, reflecting a 2.6% increase over the past year. The market is characterized by homes going to pending status in about 29 days, indicating a relatively brisk pace of sales. The county's largest city, Amarillo, is a significant hub with a population of around 200,000 residents. Other notable areas include Bushland and Bishop Hills, which are smaller but contribute to the county's overall diversity in living environments. Living in Potter County offers a mix of suburban and rural lifestyles, with agriculture playing a vital role in the local economy. The county's top industries include healthcare, education, and retail, attracting people seeking a balanced lifestyle with opportunities for both suburban comforts and rural tranquility. Migration patterns suggest that people are drawn to Potter County for its affordable housing and community-oriented living.

County snapshot

Market context.

TX

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

Market areaAmarilloMapped market area
Area code11100CBSA / MSA reference
Featured communityAmarilloFrom the county record
Data year2026Aligned with this limit record
Amarillo
Top cities & communities

Communities to explore.

Amarillo
Questions & Answers

Refinancing in Potter County

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

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