TX mortgage rates

Reagan County

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

Reagan 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 Reagan 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 Reagan

A local view of the market.

Reagan County, Texas, has a real estate market characterized by relatively affordable housing, with the average home value at approximately $159,997, reflecting a modest increase of 1.3% over the past year. This stability in home values suggests a steady market that could be appealing to potential buyers looking for affordability in Texas. The county's primary city is Big Lake, which serves as the county seat and is the most significant urban area within Reagan County. Big Lake has a small population, typical of rural counties in Texas, providing a close-knit community atmosphere. The population size and density contribute to the rural charm and slower pace of life that many residents appreciate. Living in Reagan County offers a predominantly rural lifestyle, with vast open spaces and a strong emphasis on agriculture and farming. The county's economy is heavily influenced by the oil and gas industry, which provides numerous employment opportunities and attracts workers from other regions. People may be drawn to Reagan County for its job prospects in these industries, as well as the appeal of a quieter, more rural lifestyle compared to urban centers.

Questions & Answers

Refinancing in Reagan County

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

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