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Wheeler County, Texas (FedHome Loan Centers)

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

Wheeler County is based in the rectangular-shaped panhandle of Texas. The eastern boundary of the county is part of the Texas and Oklahoma state line. Interstate 40 ventures east and west through Wheeler on its way to Oklahoma City (to the east) and Amarillo (to the west). The county is also situated just to the southwest of Black Kettle National Grassland.

Wheeler County is very small both in terms of number of people and land size. The total area of the county is 915 square miles. Meanwhile, the population is just under 5,500. Therefore, the county is highly acknowledged as being very rural and spread out. The county was named after former chief justice of the Texas Supreme Court, Royall Tyler Wheeler. The county was created in 1876.

The area was previously considered one of about thirty “dry counties” in the state. However, in 2010 there was a measure passed in Shamrock that allowed the sale of liquor for the first time in the history of Wheeler County. Shamrock currently remains the only place in the county where alcohol sales are allowed.

Wheeler is the county seat. The small town with a population of 1,600 is situated in the middle of the county. Wheeler has both State Route 152 (east and west) and U.S. Highway 83 (north and south) travel through its community. It is approximately 100 miles away from Amarillo, and only 12 miles from the Texas and Oklahoma state line. Wheeler has a semiarid climate and three public schools in its district. Alan Bean, the fourth astronaut to ever walk on the moon, originates from Wheeler. 

Meanwhile, Shamrock is the largest community in Wheeler County which is not saying a ton. The reported population of Shamrock based on the 2010 census was a little under 2,000 people. Shamrock is conveniently located right off Interstate 40 which travels east and west through the county. Citizens of Shamrock can reach Oklahoma City in approximately two-and-a-half hours of drive time. Shamrock is also a little under 300 miles away from Dallas. 

The population of Shamrock has fluctuated over the last century. Previous census reports that the population reached nearly 4,000 people in the early 20th century. The number of people has continued to drop over the last couple of decades. People that seek refuge in Wheeler County are generally sick and tired of big city life and looking for a peaceful, quiet place to reside. Its access to other large communities within a day’s drive is significant. 

Shamrock hosts an annual Saint Patrick’s Day event which is considered one of the biggest attractions of the year. Alan Bean visited the 2015 ceremony and is considered a local legend. Shamrock is also home to the U-Drop Inn. The motel is located off historic Route 66 in Wheeler County. It was the only cafe within 100 miles when U-Drop Inn opened its doors in 1936. The iconic structure is listed on the National Register of Historic Places. It is currently used as a museum, visitor’s center, and gift shop. 


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Wheeler County Property Search 

Allison, Briscoe, Mobeetie, Shamrock, Wheeler 

79003, 79011, 79061, 79079, 79096 

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Wheeler 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: $32,300 

Low Income: $51,700 

Mod. Income Guar Loan: $86,850 

USDA Eligible zip codes in Wheeler County are: 79003, 79011, 79061, 79079, and 79096 

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