TX mortgage rates

Gaines County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Gaines 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.

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2026 limits

2026 Mortgage Loan Limits

Gaines County

Conforming Loan Limits

Per property
1 unit$832,750
2 units$1,066,250
3 units$1,288,800
4 units$1,601,750

FHA Loan Limits

Per property
1 unit$541,287
2 units$693,050
3 units$837,700
4 units$1,041,125

Source: Official Federal Housing Finance Agency (FHFA) and HUD loan limit schedules. Conforming data represents conventional maximums. Last synchronized: 2026 update cycle.

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Refinance Payment Estimate

Estimate Your Refinance in Gaines County

Use your current mortgage details to estimate a new refinance payment and potential monthly savings.

Estimated New Monthly Payment$2,528Principal & interest only
Home value − mortgage balance
Mortgage balance ÷ home value
Added to the proposed new loan
Proposed New Loan Amount$400,000
Estimated New Payment$2,528
Estimated Monthly SavingsAdd current rate

Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Gaines

A local view of the market.

The real estate market in Gaines County, Texas, has seen significant changes recently. As of September 2024, the median home price in the county was $292,000, reflecting a substantial increase of 55.8% compared to the previous year. The average home value in Gaines County is $202,973, which has risen by 5.9% over the past year. Gaines County includes several key cities, with Seminole being the largest. Seminole has a population of approximately 7,500 residents, making it the county's most populous city. Other notable cities include Seagraves, with around 2,500 residents, and Loop, which is smaller but still significant within the county. Living in Gaines County offers a blend of rural and suburban experiences, with a strong emphasis on agriculture and farming. The county's economy is heavily supported by industries such as agriculture, oil, and gas. Many people are drawn to Gaines County for its rural charm and the opportunities in these industries. Additionally, the county's relatively affordable real estate market compared to urban areas may attract those looking for a quieter lifestyle or investment opportunities in land and property.

Questions & Answers

Refinancing in Gaines County

Common questions about 2026 loan limits and refinancing opportunities in Texas.

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