TX mortgage rates

Wood County

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

Wood 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 Wood 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 Wood

A local view of the market.

The real estate market in Wood County, Texas, is experiencing a slight decline in home prices. As of October 2024, the median listing home price was $325,000, which represents a decrease of 1.2% compared to the previous year. The median price per square foot was $182, and homes sold for a median price of $302,800. Wood County includes several notable cities such as Mineola, Quitman, Winnsboro, and Yantis. Mineola has a population of approximately 4,515 and is known for its historic downtown and vibrant community. Quitman, with a population of around 1,809, serves as the county seat and offers a small-town atmosphere. Winnsboro, with about 3,434 residents, is recognized for its arts and cultural events. Yantis, although smaller with a population of about 388, is popular for its proximity to Lake Fork, a renowned fishing destination. Living in Wood County offers a mix of rural and suburban lifestyles, with a significant emphasis on agriculture and farming. The area is characterized by its scenic landscapes, including forests and lakes, making it appealing for those seeking a quieter, nature-oriented lifestyle. The top industries in the county include agriculture, manufacturing, and retail trade. Wood County attracts new residents due to its affordable housing, peaceful environment, and opportunities for outdoor recreation, which are appealing to retirees and families looking for a slower pace of life away from urban centers.

Questions & Answers

Refinancing in Wood County

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

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