TX mortgage rates

Wichita County

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

Wichita 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 Wichita 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 Wichita

A local view of the market.

The real estate market in Wichita County, Texas, has seen some growth, with the average home value currently at $160,491, reflecting a 2.2% increase over the past year. Homes in the area typically go to pending status in about 34 days, indicating a relatively active market. Wichita Falls is the largest city in Wichita County, serving as a cultural and economic hub with a population of approximately 102,000 residents. Other notable cities include Burkburnett, with around 11,000 residents, and Iowa Park, which has a population of about 6,500. These cities contribute significantly to the county's overall demographic and economic landscape. Living in Wichita County offers a blend of rural and suburban experiences. The area is known for its agricultural activities, with farming playing a crucial role in the local economy. Suburban life is prominent in cities like Wichita Falls, where residents enjoy amenities typical of larger urban areas. The top industries include manufacturing, healthcare, and education, attracting people seeking employment opportunities. Additionally, the county's affordable housing market and quality of life make it an appealing destination for those looking to relocate from more densely populated urban centers.

County snapshot

Market context.

TX

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

Market areaWichita FallsMapped market area
Area code48660CBSA / MSA reference
Featured communityWichita FallsFrom the county record
Data year2026Aligned with this limit record
Wichita Falls
Top cities & communities

Communities to explore.

Wichita Falls
Questions & Answers

Refinancing in Wichita County

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

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