TX mortgage rates

Gregg County

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

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

About Gregg

A local view of the market.

The real estate market in Gregg County, Texas, has shown stability with a median home listing price of $280,000 as of October 2024, which remained flat compared to the previous year. The average home value in the county is approximately $218,569, reflecting a modest increase of 2.3% over the past year. Gregg County is home to several cities, with Longview being the largest, boasting a population of around 81,000 residents. Kilgore, another significant city, has a population of approximately 13,000. Gladewater and White Oak are also notable cities within the county, contributing to its diverse urban landscape. Living in Gregg County offers a mix of suburban and rural experiences, with a strong presence of agriculture and suburban life. The county's economy is supported by industries such as manufacturing, healthcare, and education. Real estate migration patterns indicate that people are moving to Gregg County for its affordable housing options and the appeal of a quieter, community-focused lifestyle compared to larger metropolitan areas.

County snapshot

Market context.

TX

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

Market areaLongviewMapped market area
Area code30980CBSA / MSA reference
Featured communityLongviewFrom the county record
Data year2026Aligned with this limit record
Longview
Top cities & communities

Communities to explore.

Longview
Questions & Answers

Refinancing in Gregg County

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

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