TX mortgage rates

Red River County

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

Red River 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 Red River 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 Red River

A local view of the market.

The real estate market in Red River County, Texas, has experienced significant changes over the past year. As of October 2024, the median home list price is $166,500, which represents a decrease of 36.7% from the previous year. The median price per square foot is $111, indicating a shift in the market dynamics. Red River County includes several notable cities, with Clarksville being the county seat. Clarksville has a population of approximately 3,000 residents. Other towns such as Bogata and Detroit contribute to the county's rural charm, each with populations under 1,500, offering a small-town feel and close-knit community atmosphere. Living in Red River County is characterized by a predominantly rural lifestyle, with agriculture playing a significant role in the local economy. The area is known for its farming and ranching activities, which attract residents seeking a quieter, more agrarian lifestyle. The county's real estate market sees interest from those looking to escape urban centers, drawn by the affordable housing and the appeal of rural living.

Questions & Answers

Refinancing in Red River County

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

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