TX mortgage rates

Wise County

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

Wise 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$563,500
2 units$721,400
3 units$872,000
4 units$1,083,650

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 Wise 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 Wise

A local view of the market.

The real estate market in Wise County, Texas, has seen a modest increase over the past year, with the average home value reaching approximately $378,776, marking a 1.5% rise. Homes in the area typically go to pending status in about 50 days, indicating a relatively active market. Decatur is the largest city in Wise County, serving as the county seat, with a population of around 6,781. Boyd is noted as the fastest-growing city in the county, experiencing an 18.4% population increase from 2023 to 2024. Wise County offers a mix of rural and suburban living, with a strong emphasis on agriculture and farming. The county's economy is supported by industries such as agriculture, manufacturing, and energy. Migration patterns suggest that people are moving to Wise County for its affordable housing and the appeal of a quieter, rural lifestyle compared to the urban centers, while still being within commuting distance to larger cities like Fort Worth.

County snapshot

Market context.

TX

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

Market areaDallas-Fort Worth-ArlingtonMapped market area
Area code19100CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Wise County

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

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