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Moore County, Texas (FedHome Loan Centers)

The 2019 $0 down, federal home loan limit for Moore County is $314,827.

Moore County is located in the Texas Panhandle. The northern Texas community is largely rural with its southeastern boundary at the tip of Lake Meredith. The county has a population of 21,900 and a total area of 910 square miles. The county was established in 1876, though not organized completely until sixteen years later. The county seat is Dumas.

The county is named after Edwin Ward Moore, a former commander of the Texas Navy. The county has its own micropolitan statistical area which is primarily Dumas, as well as the surrounding communities of Cactus (population 3,180), Fritch (population 2,120), and Sunray (population 1,950). However, Fritch is mostly in Hutchinson County. Moore County also has the unincorporated area of Masterson.

Dumas is the largest city in Moore County with a population of 14,700. Dumas is 50 miles north of Amarillo – the largest city in the Texas Panhandle. Dumas Avenue (which is also U.S. Highway 287/87) is the primary north and south route through the county and has plenty of shopping and dining options.

Public education is fairly reputable in Moore County. The Dumas Independent School District manages the schools in Dumas and Cactus. Dumas High School is the largest school and classified as 4A in Texas. Dumas High School has won state championships in a variety of sports, including several in volleyball (most recent was in 2006). Dumas is also home to the North Plains Opportunity Center, an alternative school as well as a branch of Amarillo College. 

The local economy in Moore County is driven primarily by a meatpacking plant in Cactus. It is the biggest employer in Moore County and was formerly owned by Swift, yet is now operated by a Brazilian conglomerate called JBS USA. The operations of the meat plant are impressive as it processes up to 5,000 cattle per day. The county also has its own small airport that is just west of Dumas.

Moore County is well known for housing the Window on the Plains Museum. The noteworthy museum has exhibits related to farming, ranching, industrial, and business of the region. It helps provide a visual interpretation of what it was like to live in the Texas Panhandle during the 19th and 20th centuries. Window on the Plains Museum is located in Dumas. 

Moore County also exists just northwest of Lake Meredith National Recreation Area. Lake Meredith is a gigantic man-made reservoir that consists of 10,000 acres. It was created after the completion of Sanford Dam, which restricted movement of the Canadian River. Lake Meredith is popular with both locals and tourists. 

Outdoor activities include boating, fishing, swimming, hiking, hunting, and camping. The headquarters of the park are located in Fritch, which is in Moore County. Though the attendance numbers at Lake Meredith are not quite as high as its peak in the 1980s, the recreation area still receives over a million visitors each year. Alibates Flint Quarries National Monument is connected to the park. 

Moore County is the birthplace of Joe “King” Carrasco, David A. Swinford, and Tommy Shannon – most well known as the bassist for the iconic rock band Stevie Ray Vaughan & Double Trouble. 


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Moore County Property Search 

Cactus, Dumas, Masterson, Sunray 

79013, 79029, 79058, 79088  

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Moore County Loan Limits  

FHA: $314,827 

USDA: $251,862 

VA: $484,350 


FHA Loan Limits 

One-Unit: $314,827 

Two-Units: $403,125 

Three-Units: $487,250 

Four-Units: $605,525 


USDA Loan Limit 

Very Low Income: $29,350 

Low Income: $46,950 

Mod. Income Guar Loan: $86,850 

USDA Eligible zip codes in Moore County are: 79013, 79029, 79058, and 79088  

Contact FedHome Loan Centers at 877-432-5626 for more information and to confirm eligibility.