Gloucester County
Clear, current 2026 mortgage and refinance loan limits for homeowners in Gloucester County, Virginia. 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
Gloucester County
Conforming Loan Limits
Per propertyFHA Loan Limits
Per propertyEstimate Your Refinance in Gloucester 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 Gloucester County, Virginia, is currently a seller's market, with the median home sold price reaching $350,000 in October 2024, reflecting an 8.6% increase from the previous year. The median price per square foot stands at $214, indicating a robust demand for housing in the area. Gloucester County encompasses several notable communities, with Gloucester Courthouse being the largest, serving as the county seat. Another significant area is Hayes, known for its proximity to the York River and providing a suburban feel with a population of around 12,000 residents. These communities contribute to the county's appeal by offering a mix of rural charm and suburban convenience. Living in Gloucester County offers a blend of rural and suburban lifestyles, with agriculture playing a significant role in the local economy. The county's landscape is dotted with farms and open spaces, yet it also provides suburban amenities, making it attractive for those seeking a quieter lifestyle near urban centers. The top industries include agriculture, retail, and healthcare, drawing people to the area for its employment opportunities and the appeal of a more relaxed, rural environment. Migration patterns suggest that individuals and families are moving to Gloucester County for its affordable housing and the balance of rural and suburban living.
Market context.
Public location data associated with this county record. Optional fields are shown only when present in the source.
Refinancing in Gloucester County
Common questions about 2026 loan limits and refinancing opportunities in Virginia.
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