TX mortgage rates

Sutton County

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

Sutton 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 Sutton 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 Sutton

A local view of the market.

Sutton County, Texas, has a real estate market characterized by a median listing home price of $170,000 as of October 2024, which reflects a decrease of 18.9% compared to the previous year. The median price per square foot is $104, and the market is currently considered a buyer's market, indicating that the supply of homes exceeds the demand. The county includes two main cities: Sonora and Roosevelt. Sonora, the county seat, is the largest city with a population of approximately 3,000 residents. Roosevelt is smaller, contributing to the rural charm of the area. These cities offer a glimpse into the quiet, small-town life typical of Sutton County. Living in Sutton County is predominantly rural, with a focus on agriculture and ranching as the primary industries. The county's landscape is dotted with farms and ranches, providing a serene and spacious environment. People may be drawn to Sutton County for its affordable housing and the opportunity to enjoy a slower-paced, rural lifestyle away from the hustle and bustle of urban areas.

Questions & Answers

Refinancing in Sutton County

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

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