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Robertson County, Texas (FedHome Loan Centers)

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

Robertson County may come across as a very remote and secluded portion of east-central Texas yet it is also at the heart of everything that is Texas. The county is within a day’s drive of Austin, Houston, and San Antonio. It is also located even closer to two of the biggest higher learning institutions in the state – Baylor University (Waco, TX) and Texas A&M University (College Station, TX).

The population of Robertson County is 16,625 and has a total area of 865 square miles. The county was founded in 1837, and named after Sterling C. Robertson who signed the Texas Declaration of Independence. The county seat is Franklin though its biggest city is Hearne. The county is part of the College Station & Bryan metropolitan statistical area.

Franklin is a very small town with a population of just 1,565 and resides in the Brazos Valley that separates central Texas from eastern Texas. The small town uses the Franklin Independent School District to manage three schools: Roland Reynolds Elementary (pre-k through 4th grade), Franklin Middle School (5th through 8th grade), and Franklin High School (9th through 12th grade). Franklin Independent School District reports that close to 1,100 students attend public education within the district.

Franklin is noted for its community sports park at Franklin Ranch, as well as the Franklin Carnegie Library and Robertson County Courthouse (listed on the National Register of Historic Places). 

Meanwhile, Hearne is the largest community in Robertson County with a population of 4,500 based on data collected from the 2010 census. Herne is noteworthy for having one of the first railroads to get constructed in the county, as well as serving as a prison camp for several thousand German POWs during World War II. Herne is noted for agriculture and manufacturing, which produce most of the jobs in the area. The population of Hearne has decreased slightly from the 1990s where the number of residents was close to 5,000 people.

Though the opportunities for advanced education are fairly limited within Robertson County it is very close to Texas A&M University in College Station (40 miles south) and Baylor University (67 miles northwest). Graduates of local Franklin High School and Hearne High School are known for continuing their studies at one of the nearby universities. 

Robertson County is also not far from Sam Houston National Forest. The entrance to the national forest area is accessible in about an hour-and-a-half from Robertson. Additionally, Davy Crockett National Forest and Sabine National Forest is accessible within a long day of driving. Therefore, though there is not a ton of public space directly within the county there is plenty to do within a day of travel.

The climate in Robertson County is considered subtropical. Therefore, the summers are humid and hot. The winters make up for it where the temperatures remain fairly mild and snow is extremely rare. It is a good place of refuge for those that grew up or previously lived in the north and had to survive long, brutal winters. 


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Robertson County Property Search 

Bremond, Calvert, Franklin, Hearne, Mumford, New Baden, Wheelock 

76629, 77837, 77856, 77859, 77867, 77870, 77882 

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Robertson County Condo Search 

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Robertson 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: $34,250 

Low Income: $54,800 

Mod. Income Guar Loan: $86,850 

USDA Eligible zip codes in Robertson County are: 76629, 77837, 77856, 77859, and 77870 

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