NM mortgage rates

Roosevelt County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Roosevelt County, New Mexico. 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

Roosevelt 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 Roosevelt 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 Roosevelt

A local view of the market.

In Roosevelt County, New Mexico, the real estate market has shown stability with a median listing home price of $194,500 as of October 2024. This figure has remained flat compared to the previous year, indicating a steady market. The median price per square foot is $113, and homes have a median sold price of $158,000, reflecting a buyer's market where homes are selling slightly below the asking price. Portales is the largest city in Roosevelt County, serving as the county seat with a significant portion of the population. Other notable towns include Elida, Dora, and Floyd, each contributing to the county's rural charm. These smaller communities offer a more intimate living experience, with populations that support local agriculture and small businesses. Living in Roosevelt County offers a blend of rural and suburban lifestyles, with a strong emphasis on agriculture and farming. The county's economy is largely supported by industries such as agriculture, education, and retail. Many residents are drawn to the area for its affordable housing and the opportunity to live in a community-oriented environment. The migration patterns suggest that people move to Roosevelt County for its peaceful rural setting and the appeal of a slower-paced lifestyle.

County snapshot

Market context.

NM

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

Market areaPortalesMapped market area
Area code38780CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Roosevelt County

Common questions about 2026 loan limits and refinancing opportunities in New Mexico.

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