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Roberts County, Texas (FedHome Loan Centers)

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

Roberts County is situated in northern Texas as part of the panhandle. The county is the seventh-least populous county in the state and the total land size is 924 square miles. Even though it is sparsely populated there is plenty of open space and land for sale with a ton of acreage. The county seat is Miami.

The county was created in 1876. However, it wasn’t entirely organized until 1889. The county is named after a former governor of Texas, Oran Milo Roberts. Prior to white settlements, modern day Roberts County was inhabited by the Plains Apache. However, they were eventually displaced by the Comanche who frequently the area until the 1870s. Comanche were known for hunting buffalo along the prairie landscape. However, they were eventually driven out by the U.S. Army during the Red River War.

Roberts County was established from sections of Bexar County as well as the Clay Land District. There are eight connected counties to Roberts, including Ochiltree County, Lipscomb County, and Hansford County to the north. Gray County, Carson County, and Wheeler County are adjacent to the south. Meanwhile, Hutchinson County exists to the west and Hemphill County to the east. 

The county is one of six in the state of Texas that is a “dry county”. The sale of alcohol is prohibited within its boundaries. Roberts County has also witnessed a battle for water rights over the last several decades. The City of Amarillo (80 miles to the southwest), T. Boone Pickens, and Canadian River Municipal Water Authority have all battled for water rights in Roberts. The county reports that 80 percent of its water rights are divided between the three authorities. 

Roberts County is so rural that only two major roads traverse through its territory. The two roads are U.S. Highway 60 which travels northeast/southwest through the southern boundary of Roberts County, and State Highway 70 which ventures north and south through its middle portion. 

Miami is the only recognizable town in Roberts County. The population of the tiny town is 600 based on the most recent census. The remaining 350 people in the county reside in unincorporated parts of the county. Miami has its own school district that manages one school teaching Pre-K through 12th grade.

Roberts County is notoriously Republican, like many parts of rural Texas. It was one of the first counties in the state to turn Republican. In fact, the last Democrat to win the county in a Presidential election was Harry S. Truman in 1948. Recently it voted nearly 95 percent for Republican Donald Trump, which was one of the largest lopsided margins for a Republican in the entire nation. 

The territory is known for its conservative values. People that live in Roberts County prefer to stay out of the hustle and bustle of a big city. Black Kettle National Grassland is the nearest public use open space to Roberts. Meanwhile, Amarillo is the nearest big city and Oklahoma City exists 228 miles east of Roberts.

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Roberts 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: $45,550

Low Income: $72,900

Mod. Income Guar Loan: $104,800

USDA Eligible zip codes in Roberts County are: 79059

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