TX mortgage rates

Wilbarger County

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

Wilbarger 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 Wilbarger 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
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Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Wilbarger

A local view of the market.

The real estate market in Wilbarger County, Texas, has seen a notable increase in median home prices. As of October 2024, the median home list price was $129,900, marking a 13% rise from the previous year. The average price per square foot was $70, indicating a growing demand in the area. Wilbarger County includes several cities, with Vernon being the most prominent. Vernon has a median listing home price of $125,000 and is known for its affordable housing options. Other cities in the county include Harrold and Odell, which contribute to the county's overall residential landscape. Living in Wilbarger County offers a blend of rural and suburban lifestyles, with a strong emphasis on agriculture and farming. The county's economy is supported by industries such as agriculture, manufacturing, and retail trade. The area's affordable housing and rural charm attract people seeking a quieter lifestyle away from urban centers, contributing to migration patterns favoring the county.

County snapshot

Market context.

TX

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

Market areaVernonMapped market area
Area code46900CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Wilbarger County

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

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