TX mortgage rates

Stephens County

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

Stephens 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 Stephens 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 Stephens

A local view of the market.

Stephens County, Texas, has a dynamic real estate market with a median listing home price of $249,900 as of October 2024, reflecting a 13.6% increase from the previous year. The median price per square foot is approximately $129, and homes typically sell for a median price of $185,200. The county's real estate market is characterized by a mix of residential properties, with a notable trend of increasing home values over the past year. The county includes several cities, with Breckenridge being the most prominent. Breckenridge has a population of approximately 5,500 residents and serves as the county seat. Another notable area is Caddo, which, while smaller, contributes to the county's rural charm. These cities offer a blend of small-town living with access to essential amenities and services. Living in Stephens County offers a predominantly rural lifestyle, with a mix of agricultural and suburban elements. The county's economy is supported by industries such as agriculture, oil, and gas, which are significant contributors to local employment. The area is attractive to those seeking a quieter, rural environment with opportunities for farming and outdoor activities. Migration patterns suggest that people are moving to Stephens County for its affordable housing, open spaces, and the appeal of a close-knit community lifestyle.

Questions & Answers

Refinancing in Stephens County

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

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