TX mortgage rates

Upshur County

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

Upshur 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 Upshur 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 Upshur

A local view of the market.

The real estate market in Upshur County, Texas, has seen significant changes over the past year. As of October 2024, the median home list price was $389,000, marking a 29.7% increase from the previous year. The average home value in the county is $236,403, which has decreased by 1.4% over the past year. The top cities in Upshur County include Gilmer, Big Sandy, and Ore City. Gilmer is the largest city, with a population of approximately 5,000 people, and has a median home listing price of $337,500. Big Sandy and Ore City are smaller, with populations of around 1,300 and 1,000 respectively, and offer more affordable housing options. Living in Upshur County offers a mix of rural and suburban lifestyles, with a strong presence of agriculture and farming. The county is known for its scenic landscapes and community-oriented living. Top industries include agriculture, manufacturing, and retail trade. The area attracts people looking for a quieter lifestyle away from urban centers, often appealing to those seeking affordable housing and a close-knit community atmosphere.

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
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Upshur County

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

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