TX mortgage rates

Wharton County

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

Wharton 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 Wharton 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 Wharton

A local view of the market.

The real estate market in Wharton County, Texas, is experiencing modest growth, with the average home value currently at $199,414, reflecting a slight increase of 0.1% over the past year. Homes in this area typically go to pending status in about 33 days, indicating a relatively stable market environment. Wharton County is home to several notable cities, including Wharton and El Campo. Wharton, the county seat, has a population of approximately 8,700 residents, while El Campo is the largest city in the county with a population of around 11,600. These cities serve as key hubs for economic and social activities within the county. Living in Wharton County offers a mix of rural and suburban lifestyles, with agriculture playing a significant role in the local economy. The county is known for its farming and ranching industries, which attract residents seeking a quieter, more rural lifestyle. Additionally, the suburban areas provide a comfortable living environment for those who prefer proximity to urban amenities. Migration patterns suggest that people are moving to Wharton County for its affordable housing and the appeal of a slower-paced, community-oriented lifestyle.

County snapshot

Market context.

TX

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

Market areaEl CampoMapped market area
Area code20900CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Wharton County

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

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