Ector County
Clear, current 2026 mortgage and refinance loan limits for homeowners in Ector County, Texas. Use the verified baseline numbers below to calculate your refinance payment, evaluate your home equity, and monitor when rate alerts make refinancing advantageous.

2026 Mortgage Loan Limits
Ector County
Conforming Loan Limits
Per propertyFHA Loan Limits
Per propertyEstimate Your Refinance in Ector County
Use your current mortgage details to estimate a new refinance payment and potential monthly savings.
Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.
A local view of the market.
The real estate market in Ector County, Texas, is experiencing growth, with the median listing home price reaching $295,000 in October 2024, marking a 5.4% increase from the previous year. The median home sold price is slightly lower at $272,800, and the area is currently a buyer's market, indicating more homes available than there are buyers. The top cities in Ector County include Odessa, Gardendale, West Odessa, and Goldsmith. Odessa, the largest city, has a median listing home price of $315,000. Gardendale, known for its larger lots, has a higher median listing price of $437,500. West Odessa offers a median price of $375,000, while Goldsmith is a smaller community with fewer homes on the market. Living in Ector County offers a mix of rural and suburban experiences, with agriculture playing a significant role in the local economy. The county's economy is also supported by industries such as oil and gas, which attract workers and contribute to migration patterns. People may be drawn to Ector County for its employment opportunities in these sectors, as well as the affordable housing options compared to larger urban areas.
Market context.
Public location data associated with this county record. Optional fields are shown only when present in the source.
Communities to explore.
Refinancing in Ector County
Common questions about 2026 loan limits and refinancing opportunities in Texas.
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