Gray County
Clear, current 2026 mortgage and refinance loan limits for homeowners in Gray 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
Gray County
Conforming Loan Limits
Per propertyFHA Loan Limits
Per propertyEstimate Your Refinance in Gray 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 Gray County, Texas, has seen a notable increase in home values. As of October 2024, the median listing home price was $157,000, marking a 19.6% rise year-over-year. Additionally, the average home value in the county is reported to be $85,969, which reflects a 2.0% increase over the past year. Gray County includes several cities, with Pampa being the largest. Pampa has a population of approximately 17,000 residents and serves as the county seat. Other notable towns include McLean and Lefors, which are smaller but contribute to the county's rural charm. Living in Gray County offers a mix of rural and suburban lifestyles, with agriculture playing a significant role in the local economy. The county is known for its farming and ranching activities, providing a serene environment for those seeking a quieter lifestyle. The top industries include agriculture, energy, and manufacturing, which attract people looking for job opportunities in these sectors. The county's affordable housing and peaceful surroundings make it an attractive destination for those moving from more urbanized areas.
Market context.
Public location data associated with this county record. Optional fields are shown only when present in the source.
Refinancing in Gray County
Common questions about 2026 loan limits and refinancing opportunities in Texas.
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