TX mortgage rates

Upton County

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

Upton 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 Upton 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 Upton

A local view of the market.

Upton County, Texas, has a real estate market characterized by relatively affordable housing. The average home value in the county is approximately $92,335, which has seen a slight decrease of 0.3% over the past year. This makes the area attractive for potential buyers looking for budget-friendly options compared to more urbanized regions. The county's largest cities include McCamey and Rankin. McCamey has a population of around 1,831, making it the largest city in the county, followed by Rankin with approximately 776 residents. These cities serve as central hubs for the county's economic and social activities. Living in Upton County offers a predominantly rural lifestyle, with agriculture playing a significant role in the local economy. The county is known for its production of crops such as cotton, wheat, and alfalfa. The presence of oil-related jobs also contributes to the local economy. People may be drawn to Upton County for its quiet, rural environment and the opportunities in agriculture and energy sectors.

Questions & Answers

Refinancing in Upton County

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

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