TX mortgage rates

Somervell County

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

Somervell 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 Somervell 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 Somervell

A local view of the market.

The real estate market in Somervell County, Texas, is experiencing a positive trend, with the median listing home price reaching $539,900 as of October 2024, marking a 3.4% increase from the previous year. The median price per square foot is $226, and homes are typically sold for a median price of $390,500, reflecting a competitive market environment. Somervell County comprises three main cities: Glen Rose, Nemo, and Rainbow. Glen Rose is the largest, with a population of approximately 2,600 residents, and serves as the county seat. Nemo and Rainbow are smaller, with populations of around 60 and 100, respectively, offering a more intimate community atmosphere. Living in Somervell County provides a blend of rural and suburban experiences, with a strong emphasis on agriculture and farming. The county's economy is supported by industries such as education, healthcare, and tourism, particularly due to attractions like Dinosaur Valley State Park. The area attracts new residents seeking a quieter lifestyle, affordable housing, and the charm of small-town living, contributing to a steady influx of people moving into the county.

Questions & Answers

Refinancing in Somervell County

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

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