TX mortgage rates

Sterling County

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

Sterling 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 Sterling 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
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Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Sterling

A local view of the market.

Sterling County, Texas, has a real estate market characterized by a median home value of approximately $151,819, which has decreased by 7.9% over the past year. This decline reflects broader economic trends and market adjustments within the region. Sterling County is primarily rural, with Sterling City being the most notable community. Sterling City serves as the county seat and is the primary hub for local activities and services. The population of Sterling City is relatively small, reflecting the county's overall rural character. Living in Sterling County offers a predominantly rural lifestyle, with agriculture being a significant part of the local economy. The county's landscape is marked by farms and ranches, contributing to its agricultural output. The area attracts those seeking a quieter, more rural lifestyle, often moving from urban areas for the open spaces and agricultural opportunities.

County snapshot

Market context.

TX

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

Market areaSan AngeloMapped market area
Area code41660CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Sterling County

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

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