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Ward County, Texas (FedHome Loan Centers)

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

Ward County is situated in western Texas. The county has Interstate 20 which ventures through the central portion of Ward County on its way toward Odessa and Midland (both to the northeast). The county is remote with a population of just 10,660 and a total area of 836 square miles. The county seat is Monahans.

Ward County was established in 1887 and was officially organized in 1892. The county is named after an important figure in the Texas Revolution. The history of Ward dates back several centuries. Archaeological investigations conclude that prehistoric man lived in the area due to petroglyphs and pictographs that have been unearthed. Native American tribes like the Comanche, Suma-Jumano, and Apache also occupied the area prior to white settlements.

After the development of the Butterfield Overland Mail and Texas and Pacific Railway, primary means of travel were established through the region. Then, the Texas State Legislature carved out portions of Texas for the newfound county as ranching and farming became popular. Later, oil was discovered leading to periods of natural gas extraction. 

Monahans is the largest town in Ward County. It has a population of 7,640, a small portion of which extends into Winkler County. Monahans has witnessed some growth based on current estimates compared to reportings from the 2010 census. Monahans is part of the Permian Basin which also extends into Midland and Odessa. Therefore, Monahans is often defined as “The Center of the Permian Basin”. The expansive landscape was once a sea during the Paleozoic Era. 

Though Ward County is largely known as a rural territory in Texas that benefits primarily from oil, farming, and ranching – it also brings in a fair amount of tourist money each year. Monahans Sandhills State Park is located in Ward. Each year the state park receives thousands of visitors. Monahans Sandhills State Park is especially well known for surfing and sand football games. It is also a terrific site for family reunions and weddings. The park was established in 1957.

Public education is supported in Monahans as well as Wickett and Pyote through a shared Independent School District. Ward County is the home of a few prominent people including Carter Casteel, Dale Dudley, Guy Clark, Kathy Whitworth, Natalie Zea, and Deanna Dunagan.  

Ward County is known for having accessible thoroughfares to a number of other spots in Texas. The Texas-New Mexico Railroad operates a 110-mile branch line that connects at Monahans. It concludes in Lovington, New Mexico. Meanwhile, Interstate 20 is the primary passage of travel for those venturing through Ward. Odessa, Texas is approximately 35 minutes away from Monahans in drive time. Midland is another 25 minutes northeast of Odessa. Monahans is also 250 miles east of El Paso, Texas. The U.S. and Mexico border can get reached in about 200 miles from Ward County.

Ward County is connected to six other counties in the state of Texas. These include Winkler County, Loving County, and Ector County in the north, Pecos County in the south, Crane County in the east, and Reeves County in the west. 


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Ward County Property Search 

Barstow, Grandfalls, Monahans, Pyote, Wickett 

79719, 79742, 79756, 79777, 79788 

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Ward County Condo Search 

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Ward 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 

The USDA loan income limit in Ward County are: 

Very Low Income: $34,600 

Low Income: $55,350 

Mod. Income Guar Loan: $86,850 

USDA Eligible zip codes: 79719, 79742, 79756, 79777, and 79788

Contact FedHome Loan Centers at 877-432-5626.