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Refugio County, Texas (FedHome Loan Centers)

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

Refugio County is based in southern Texas and is connected to the Gulf Coast, directly north of Corpus Christi. The county has a population of 7,385 and a total area of 818 square miles. The county seat is Refugio. Refugio County was previously a municipality of Mexico until getting organized into a county in 1837.

Refugio County witnessed its first modern day boom in the 1930s with the discovery of the Tom O’Connor field. Most of the oil and half of the gas energy produced from the county is located along the Tom O’Connor field which has carved into a fault following large-scale gravity slumping. Though the county has remained relatively small in terms of number of people, its impact on local natural energy production has been substantial.

The county takes care of its residents through the Refugio County Medical Center. The county hospital opened its doors in 1940, and has since went through expansions in both 1962 and 2009. There are also multiple rural health clinics. 

Refugio is the largest community and also the county seat. The population of the small town is close to 3,000 people. Refugio has weather that is comparable to many other parts of Texas. The summers are humid and hot, though winters are very mild. Refugio is designated as having a humid subtropical climate. 

After witnessing decades of declining growth in the 1970s through the 1990s, the population of Refugio County has flatlined over the last couple of decades. According to the most recent census, the county has 1,130 households and nearly 800 families residing in the area. The population density is 1,880 per square mile. Among the households, 31 percent of families report having children under the age of 18 living with them. Close to half of all families reported being married couples, while 18 percent represented a female householder with no husband present. Meanwhile, 30 percent of households considered the occupants non-families and 27 percent were composed of single individuals. 

Refugio County is the home of Nolan Ryan, who was born in Refugio yet relocated to Alvin shortly thereafter. Ryan is a Hall of Fame pitcher and considered one of the best to ever play in the MLB. Rocky Bridges is another Major League Baseball player to make it from the county. Additionally, country music singer-songwriter Allison Paige is from the county along with co-writer of “The Texas Chain Saw Massacre” Kim Henkel.

Refugio County allows the Refugio Independent School District to manage public education. In addition to Refugio, the county supports the communities of Woodsboro (population 1,515), Tivoli (population 480), Bayside (population 325), and Austwell (population 150). The ghost towns of Copano and St. Mary’s of Aransas are also present. 

The Aransas National Wildlife Refuge, Matagorda Island, and San Jose Island are all located just outside the southeastern boundaries of Refugio County. Aransas National Wildlife Refuge contains nearly 115,000 acres of protected area. It is part of the San Antonio Bay along the Gulf Coast. The place is popular for bird watching, given the number of species including ducks, herons, egrets, roseate spoonbills, ibises, and the endangered whooping crane. 


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Refugio County Property Search 

Austwell, Tivoli, Bayside, Refugio, Woodsboro 

77950, 77990, 78340, 78377, 78393 

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Refugio County Condo Search 

For a list of condos available in Refugio County, please contact FedHome Loan Centers


Refugio 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: $30,300 

Low Income: $48,500 

Mod. Income Guar Loan: $86,850 

USDA Eligible zip codes: 77950, 77990, 78340, 78377, and 78393

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