OK mortgage rates

Texas County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Texas County, Oklahoma. 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

Texas 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 Texas 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 Texas

A local view of the market.

The real estate market in Texas County, Oklahoma, has seen modest growth, with the average home value currently at $152,932, reflecting a 0.8% increase over the past year. This indicates a stable market, which can be attractive for both buyers and investors looking for affordable housing options in the region. Guymon is the largest city in Texas County, serving as the county seat with a population of approximately 12,965. Other notable cities include Hooker, with a smaller population, and Goodwell, which is home to around 1,059 residents. These cities contribute to the county's diverse community and economic activities. Living in Texas County offers a blend of rural and suburban lifestyles, with a strong emphasis on agriculture, particularly ranching, which remains a vital part of the local economy. The county's economy is supported by industries such as agriculture and livestock, making it an appealing destination for those seeking a quieter, rural lifestyle. Migration patterns often include individuals and families moving to the area for its affordable real estate and employment opportunities in agriculture and related industries.

County snapshot

Market context.

OK

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

Market areaGuymonMapped market area
Area code25100CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Texas County

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

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