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Wharton County, Texas (FedHome Loan Centers)

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

Wharton County is an angular piece of land situated in southern Texas and is not far from the Gulf of Mexico. Additionally, Houston is just about an hour away in drive time depending on time of day and traffic. Wharton County has a population of 41,280 with a total area of 1,095 square miles. The county seat is Wharton.

The county was named after two brothers who were important in the early development of Wharton County. The county is generally divided into both the El Campo micropolitan statistical area, as well as the Houston-The Woodlands combined statistical area. In addition to having close proximity to Houston, The county is also within a day’s drive of Austin and San Antonio. Locals can also reach Matagorda Bay and the surrounding Gulf of Mexico in about an hour.

Wharton County supports two airfields. The First is El Campo Metropolitan Airport which is located in an unincorporated part of Wharton County. Meanwhile, Wharton Regional Airport is situated in southwest Wharton. It is easy to also travel by road through the county with a number of major highways taking travelers in all different directions. U.S. Highway 59 and U.S. Highway 90 Alternate run through Wharton County. Wharton County also supports two primary state highways (Texas State Hwy 60 and Texas State Hwy 71) as well as several Farm to Market Roads.

Wharton is the county seat while El Campo is the biggest community. The third place considered a city is East Bernard with a population of 2,275. Meanwhile, the census-designated places include Boling, Lago, Louise, and Hungerford. There are also several unincorporated pieces of land and a few ghost towns.

Wharton has a population of 8.835 based on statistics from the 2010 census. It is located along the Colorado River, east of U.S. Highway 59. Wharton was initially territory that was part of the Caney Run mail route. The first migrants of Wharton County were primary of Jewish, Swiss, German, Czech, and Mexican heritage. The county was also originally a plantation community. The early crops harvested included cotton, corn, rice, potatoes, and sugar cane. Several mills and processing plants have been utilized in the history of the county.

Wharton County Junior College (WCJC) is located in Wharton. The two-year college has its main campus in Wharton as well as side campuses in Sugar Land, Bay City, and Richmond. The place of higher learning offers several different post-secondary educational programs including associate degrees and certificates. Wharton County Junior College opened its doors in 1946. There are approximately 5,900 students that attend Wharton County Junior College.

El Campo is the largest city in the county with a population of 11,600. El Campo is the original home of Dallas-based radio minister Charles Swindoll. A couple of professional athletes and author of the “Legendary Texians” and “Historic Towns of Texas” book series are also from the small city. The El Campo Independent School District manages all the public schools in the city that is also home to several private schools. The Colorado Valley Transit Authority operates bus services between El Campo and Wharton for commuters.


New Properties are Available

FedHome Loan Centers is well connected to the area. Learn about available properties and apply for a new home loan through us.


Wharton County Property Search 

Boling, East Bernard, El Campo, Glen Flora, Hungerford, Lissie, Louise, Wharton 

77420, 77435, 77437, 77443, 77448, 77454, 77455, 77488 

Interested in a house or condo? Contact FedHome Loan Centers today!


Wharton County Condo Search 

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Wharton 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: 77420, 77435, 77437, 77443, 77448, 77454, 77455, and 77488

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