VA mortgage rates

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.

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2026 limits

2026 Mortgage Loan Limits

Gloucester 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$757,850
2 units$970,200
3 units$1,172,750
4 units$1,457,450

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 Gloucester 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 Gloucester

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.

County snapshot

Market context.

VA

Public location data associated with this county record. Optional fields are shown only when present in the source.

Market areaVirginia Beach-Norfolk-Newport NewsMapped market area
Area code47260CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Gloucester County

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

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