TX mortgage rates

Grayson County

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

Grayson 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 Grayson 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 Grayson

A local view of the market.

Grayson County, Texas, has seen a steady increase in real estate values, with the median home list price reaching $332,555 in October 2024, marking a 1.9% rise from the previous year. This growth reflects a broader trend of rising home values in the area, making it an attractive market for both buyers and sellers. The county is home to several key cities, with Sherman being the largest, boasting a population of approximately 43,963. Denison follows with a population of about 26,943, while Van Alstyne and Whitesboro have populations of 4,470 and 4,084, respectively. These cities are central to the county's economic and cultural activities. Living in Grayson County offers a mix of rural and suburban experiences. The area is known for its agricultural roots, with farming playing a significant role in the local economy. The county has seen a surge in home construction and employment, attracting new residents seeking a balance between rural charm and suburban convenience. This migration is driven by the county's affordable housing and growing job opportunities.

County snapshot

Market context.

TX

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

Market areaSherman-DenisonMapped market area
Area code43300CBSA / MSA reference
Featured communitiesDenison · ShermanFrom the county record
Data year2026Aligned with this limit record
DenisonSherman
Top cities & communities

Communities to explore.

DenisonSherman
Questions & Answers

Refinancing in Grayson County

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

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