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Motley County, Texas (FedHome Loan Centers)

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

Motley County is located in northern Texas. It is situated northeast of Lubbock, Texas. Amarillo, Texas is also not far away to the northwest of the county. The population is tiny with just 1,210 people. It is the tenth least populated county in Texas. The land size is much bigger with a total area of 990 square miles. The county seat is Matador.

Motley County was established in 1876. However, it took 15 years for it to become organized in 1891. The name of the county derives from Junius William Mottley, who signed the Texas Declaration of Independence. The county was once one of the approximately 30 counties in the state of Texas to be “dry”. It outlawed the sale of alcohol in the territory yet the county has since changed its stance on the issue.

The territory was formerly parts of Young County and Bexar County. The historic Matador Ranch was built in 1882, and remains in operation. Matador Ranch exists in both Motley County as well as five adjoining counties. The county is also home to a library that has been in the historical Moore Building since 1986. The Moore Building dates back to 1916, and features a beautiful mural that presents local history.

Motley County is so rural that only two major roads traverse its boundaries. State Highway 70 is the primary north and south passage. It ventures through Matador and connects to Interstate 40 (to the north). U.S. Highway 62 travels west of Matador and reaches Interstate 27 – bridging Amarillo to Lubbock. Meanwhile, U.S. Highway 70 is technically the same road as U.S. Highway 62 yet begins east of Matador and ends up in Vernon.

Matador is the largest community in Motley County which is not saying a lot. The population is less than 750 people based on data from the 2010 census. Matador was created in 1891, and named after the nearby iconic cattle ranch. Matador is less than 100 miles from Lubbock. The sleepy town reached a peak in population in 1940, and has since been on a minor decline. Its historical buildings include the Hotel Matador and Traweek House. 

Matador is also the home of Bob’s legendary Oil Well. Luther Bedford “Bob” Robertson was instrumental in the early development of Motley County. He opened a Conoco gas station in the 1920s, and decorated it with a unique wooden oil derrick. The lighted 85 foot structure greeted travelers at the intersection of U.S. Route 70 and State Highway 70. Robertson’s other gimmicks for attracting patrons included having a cage of rattlesnakes and, later, a small zoo of monkeys, coyotes, and lions. It was a noteworthy stop between Dallas, Texas and Carlsbad, New Mexico, as well as Denver, Colorado and El Paso, Texas. 

Roaring Springs (population 265) is the only other town in Motley County. The rural county also includes the unincorporated community of Flomot. The ghost towns of Tee Pee City and Whiteflat have remnants of better days. Motley County is adjacent to six other counties in Texas. The County Independent School District supervises public education in Matador.


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Motley County Property Search 

Flomot, Matador, Roaring Springs 

79234, 79244, 79256 

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Motley 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 Motley County are: 79234, 79244, and 79256 

Contact FedHome Loan Centers at 877-432-5626 to confirm eligibility.