TX mortgage rates

Titus County

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

Titus 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 Titus 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 Titus

A local view of the market.

The real estate market in Titus County, Texas, has seen a modest increase over the past year, with the average home value rising to $221,368, marking a 1.2% increase. Homes in this area typically go to pending status in about 64 days, indicating a relatively stable market. Titus County is home to several notable cities, with Mount Pleasant being the largest. Mount Pleasant serves as the county seat and has a population of approximately 16,000 residents. Other towns in the county include Talco and Winfield, which are smaller but contribute to the county's overall community atmosphere. Living in Titus County offers a blend of rural and suburban lifestyles. The area is known for its agricultural roots, with farming and related industries playing a significant role in the local economy. Many residents appreciate the quieter, more rural setting while still having access to suburban conveniences. The county attracts new residents seeking a balance between rural charm and suburban amenities, often drawn by the affordable housing market and the opportunity to engage in agricultural pursuits.

County snapshot

Market context.

TX

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

Market areaMount PleasantMapped market area
Area code34420CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Titus County

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

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