TX mortgage rates

Terry County

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

Terry 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 Terry 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 Terry

A local view of the market.

The real estate market in Terry County, Texas, is characterized by relatively affordable housing, with the average home value being $104,952, which has decreased by 2.6% over the past year. This decline in home values may present opportunities for buyers looking to invest in the area. Terry County's most notable city is Brownfield, which serves as the county seat. Brownfield has a population of approximately 9,000 residents, making it the largest city in the county. The county's other communities are smaller and more rural, contributing to the overall rural character of the region. Living in Terry County offers a predominantly rural lifestyle, with agriculture being a significant part of the local economy. The county's landscape is dotted with farms and ranches, supporting industries such as cotton farming and cattle ranching. This agricultural focus attracts individuals and families seeking a quieter, more rural lifestyle away from urban centers. The migration patterns into Terry County are often driven by the appeal of affordable housing and the desire for a peaceful, rural environment.

Questions & Answers

Refinancing in Terry County

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

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