TX mortgage rates

Ward County

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

Ward 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 Ward 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 Ward

A local view of the market.

The real estate market in Ward County, Texas, has seen some fluctuations recently. The average home value in the county is approximately $166,818, which represents a decrease of 3.0% over the past year. This suggests a cooling in the market, potentially offering opportunities for buyers looking for more affordable options. Ward County includes several notable cities, with Monahans being the largest. Monahans serves as the county seat and has a population of about 7,500 residents. Other smaller communities contribute to the county's overall population, which is around 11,000 people. These cities provide a mix of amenities and services that cater to both local residents and visitors. Living in Ward County offers a blend of rural and suburban lifestyles. The county is characterized by its open spaces and agricultural activities, with farming and ranching being significant contributors to the local economy. Additionally, the oil and gas industry plays a crucial role in the area's economic landscape. People may be drawn to Ward County for its quieter, rural environment and the opportunities in the energy sector, making it a potential destination for those seeking employment in these industries.

Questions & Answers

Refinancing in Ward County

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

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