TX mortgage rates

Swisher County

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

Swisher 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 Swisher 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 Swisher

A local view of the market.

Swisher County, Texas, has a real estate market characterized by affordable housing, with a median listing home price of $90,700 as of October 2024. This represents a significant decrease of 35.2% year-over-year, indicating a trend of declining home values in the area. Homes in Swisher County typically sell after an average of 64 days on the market, reflecting a moderate pace in property transactions. The county comprises four cities, with Tulia being the largest and serving as the county seat. Tulia has a population of approximately 4,500 residents. Other notable cities include Happy, Kress, and Vigo Park, each contributing to the county's rural charm and community-oriented lifestyle. These towns offer a glimpse into small-town life in Texas, with populations ranging from a few hundred to a couple of thousand residents. Living in Swisher County offers a predominantly rural experience, with agriculture playing a significant role in the local economy. The area is known for its farming and ranching activities, providing a peaceful and community-focused lifestyle. The county's top industries include agriculture and education, attracting individuals seeking a quieter, more affordable living environment. Migration patterns suggest that people may be moving to Swisher County for its cost-effective housing and the appeal of rural living away from urban centers.

Questions & Answers

Refinancing in Swisher County

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

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