What are the loan limits in each Texas county?
| County | Conforming (1 unit) | FHA (1 unit) | FHA (2 units) | Median home value |
|---|---|---|---|---|
| Anderson County | $832,750 | $541,287 | $693,050 | $173,400 |
| Andrews County | $832,750 | $541,287 | $693,050 | $188,200 |
| Angelina County | $832,750 | $541,287 | $693,050 | $149,800 |
| Aransas County | $832,750 | $541,287 | $693,050 | $236,800 |
| Archer County | $832,750 | $541,287 | $693,050 | $175,300 |
| Armstrong County | $832,750 | $541,287 | $693,050 | $185,700 |
| Atascosa County | $832,750 | $557,750 | $714,000 | $157,400 |
| Austin County | $832,750 | $541,287 | $693,050 | $270,900 |
| Bailey County | $832,750 | $541,287 | $693,050 | $104,400 |
| Bandera County | $832,750 | $557,750 | $714,000 | $249,800 |
| Bastrop County | $832,750 | $571,550 | $731,700 | $269,500 |
| Baylor County | $832,750 | $541,287 | $693,050 | $93,300 |
| Bee County | $832,750 | $541,287 | $693,050 | $102,800 |
| Bell County | $832,750 | $541,287 | $693,050 | $221,100 |
| Bexar County | $832,750 | $557,750 | $714,000 | $244,100 |
| Blanco County | $832,750 | $541,287 | $693,050 | $396,200 |
| Borden County | $832,750 | $541,287 | $693,050 | $105,400 |
| Bosque County | $832,750 | $541,287 | $693,050 | $184,500 |
| Bowie County | $832,750 | $541,287 | $693,050 | $161,300 |
| Brazoria County | $832,750 | $541,287 | $693,050 | $276,800 |
| Brazos County | $832,750 | $541,287 | $693,050 | $279,700 |
| Brewster County | $832,750 | $541,287 | $693,050 | $216,000 |
| Briscoe County | $832,750 | $541,287 | $693,050 | $82,900 |
| Brooks County | $832,750 | $541,287 | $693,050 | $82,700 |
| Brown County | $832,750 | $541,287 | $693,050 | $149,900 |
| Burleson County | $832,750 | $541,287 | $693,050 | $174,000 |
| Burnet County | $832,750 | $541,287 | $693,050 | $310,500 |
| Caldwell County | $832,750 | $571,550 | $731,700 | $215,600 |
| Calhoun County | $832,750 | $541,287 | $693,050 | $150,000 |
| Callahan County | $832,750 | $541,287 | $693,050 | $144,800 |
| Cameron County | $832,750 | $541,287 | $693,050 | $120,000 |
| Camp County | $832,750 | $541,287 | $693,050 | $159,900 |
| Carson County | $832,750 | $541,287 | $693,050 | $140,600 |
| Cass County | $832,750 | $541,287 | $693,050 | $133,500 |
| Castro County | $832,750 | $541,287 | $693,050 | $94,900 |
| Chambers County | $832,750 | $541,287 | $693,050 | $289,900 |
| Cherokee County | $832,750 | $541,287 | $693,050 | $160,300 |
| Childress County | $832,750 | $541,287 | $693,050 | $115,100 |
| Clay County | $832,750 | $541,287 | $693,050 | $161,300 |
| Cochran County | $832,750 | $541,287 | $693,050 | $57,700 |
| Coke County | $832,750 | $541,287 | $693,050 | $112,900 |
| Coleman County | $832,750 | $541,287 | $693,050 | $91,200 |
| Collin County | $832,750 | $563,500 | $721,400 | $447,600 |
| Collingsworth County | $832,750 | $541,287 | $693,050 | $108,400 |
| Colorado County | $832,750 | $541,287 | $693,050 | $194,000 |
| Comal County | $832,750 | $557,750 | $714,000 | $398,800 |
| Comanche County | $832,750 | $541,287 | $693,050 | $137,800 |
| Concho County | $832,750 | $541,287 | $693,050 | $105,800 |
| Cooke County | $832,750 | $541,287 | $693,050 | $224,600 |
| Coryell County | $832,750 | $541,287 | $693,050 | $177,400 |
| Cottle County | $832,750 | $541,287 | $693,050 | $54,100 |
| Crane County | $832,750 | $541,287 | $693,050 | $119,900 |
| Crockett County | $832,750 | $541,287 | $693,050 | $140,000 |
| Crosby County | $832,750 | $541,287 | $693,050 | $75,500 |
| Culberson County | $832,750 | $541,287 | $693,050 | $84,500 |
| Dallam County | $832,750 | $541,287 | $693,050 | $140,500 |
| Dallas County | $832,750 | $563,500 | $721,400 | $277,900 |
| Dawson County | $832,750 | $541,287 | $693,050 | $90,800 |
| Deaf Smith County | $832,750 | $541,287 | $693,050 | $116,000 |
| Delta County | $832,750 | $541,287 | $693,050 | $149,400 |
| Denton County | $832,750 | $563,500 | $721,400 | $403,400 |
| DeWitt County | $832,750 | $541,287 | $693,050 | $167,200 |
| Dickens County | $832,750 | $541,287 | $693,050 | $65,000 |
| Dimmit County | $832,750 | $541,287 | $693,050 | $80,300 |
| Donley County | $832,750 | $541,287 | $693,050 | $90,500 |
| Duval County | $832,750 | $541,287 | $693,050 | $86,400 |
| Eastland County | $832,750 | $541,287 | $693,050 | $121,700 |
| Ector County | $832,750 | $541,287 | $693,050 | $190,500 |
| Edwards County | $832,750 | $541,287 | $693,050 | $78,300 |
| El Paso County | $832,750 | $541,287 | $693,050 | $167,300 |
| Ellis County | $832,750 | $563,500 | $721,400 | $306,400 |
| Erath County | $832,750 | $541,287 | $693,050 | $251,900 |
| Falls County | $832,750 | $541,287 | $693,050 | $97,300 |
| Fannin County | $832,750 | $541,287 | $693,050 | $213,500 |
| Fayette County | $832,750 | $541,287 | $693,050 | $271,100 |
| Fisher County | $832,750 | $541,287 | $693,050 | $77,600 |
| Floyd County | $832,750 | $541,287 | $693,050 | $101,000 |
| Foard County | $832,750 | $541,287 | $693,050 | $71,400 |
| Fort Bend County | $832,750 | $541,287 | $693,050 | $350,300 |
| Franklin County | $832,750 | $541,287 | $693,050 | $213,200 |
| Freestone County | $832,750 | $541,287 | $693,050 | $164,400 |
| Frio County | $832,750 | $541,287 | $693,050 | $110,100 |
| Gaines County | $832,750 | $541,287 | $693,050 | $185,300 |
| Galveston County | $832,750 | $541,287 | $693,050 | $284,900 |
| Garza County | $832,750 | $541,287 | $693,050 | $79,300 |
| Gillespie County | $832,750 | $541,287 | $693,050 | $432,300 |
| Glasscock County | $832,750 | $813,050 | $1,040,850 | $248,600 |
| Goliad County | $832,750 | $541,287 | $693,050 | $182,800 |
| Gonzales County | $832,750 | $541,287 | $693,050 | $158,900 |
| Gray County | $832,750 | $541,287 | $693,050 | $100,400 |
| Grayson County | $832,750 | $541,287 | $693,050 | $228,300 |
| Gregg County | $832,750 | $541,287 | $693,050 | $185,800 |
| Grimes County | $832,750 | $541,287 | $693,050 | $226,600 |
| Guadalupe County | $832,750 | $557,750 | $714,000 | $285,900 |
| Hale County | $832,750 | $541,287 | $693,050 | $106,100 |
| Hall County | $832,750 | $541,287 | $693,050 | $80,200 |
| Hamilton County | $832,750 | $541,287 | $693,050 | $124,800 |
| Hansford County | $832,750 | $541,287 | $693,050 | $132,100 |
| Hardeman County | $832,750 | $541,287 | $693,050 | $76,500 |
| Hardin County | $832,750 | $541,287 | $693,050 | $188,200 |
| Harris County | $832,750 | $541,287 | $693,050 | $255,000 |
| Harrison County | $832,750 | $541,287 | $693,050 | $178,200 |
| Hartley County | $832,750 | $541,287 | $693,050 | $213,200 |
| Haskell County | $832,750 | $541,287 | $693,050 | $92,000 |
| Hays County | $832,750 | $571,550 | $731,700 | $371,400 |
| Hemphill County | $832,750 | $541,287 | $693,050 | $214,900 |
| Henderson County | $832,750 | $541,287 | $693,050 | $189,600 |
| Hidalgo County | $832,750 | $541,287 | $693,050 | $124,000 |
| Hill County | $832,750 | $541,287 | $693,050 | $163,100 |
| Hockley County | $832,750 | $541,287 | $693,050 | $112,700 |
| Hood County | $832,750 | $541,287 | $693,050 | $281,300 |
| Hopkins County | $832,750 | $541,287 | $693,050 | $193,200 |
| Houston County | $832,750 | $541,287 | $693,050 | $155,100 |
| Howard County | $832,750 | $541,287 | $693,050 | $150,300 |
| Hudspeth County | $832,750 | $541,287 | $693,050 | $57,400 |
| Hunt County | $832,750 | $563,500 | $721,400 | $210,900 |
| Hutchinson County | $832,750 | $541,287 | $693,050 | $102,200 |
| Irion County | $832,750 | $541,287 | $693,050 | $152,600 |
| Jack County | $832,750 | $541,287 | $693,050 | $174,800 |
| Jackson County | $832,750 | $541,287 | $693,050 | $175,500 |
| Jasper County | $832,750 | $541,287 | $693,050 | $125,900 |
| Jeff Davis County | $832,750 | $541,287 | $693,050 | $234,400 |
| Jefferson County | $832,750 | $541,287 | $693,050 | $159,600 |
| Jim Hogg County | $832,750 | $541,287 | $693,050 | $125,600 |
| Jim Wells County | $832,750 | $541,287 | $693,050 | $104,800 |
| Johnson County | $832,750 | $563,500 | $721,400 | $254,600 |
| Jones County | $832,750 | $541,287 | $693,050 | $92,700 |
| Karnes County | $832,750 | $541,287 | $693,050 | $136,900 |
| Kaufman County | $832,750 | $563,500 | $721,400 | $290,800 |
| Kendall County | $832,750 | $557,750 | $714,000 | $489,800 |
| Kenedy County | $832,750 | $541,287 | $693,050 | — |
| Kent County | $832,750 | $541,287 | $693,050 | $108,900 |
| Kerr County | $832,750 | $541,287 | $693,050 | $285,100 |
| Kimble County | $832,750 | $541,287 | $693,050 | $173,100 |
| King County | $832,750 | $541,287 | $693,050 | — |
| Kinney County | $832,750 | $541,287 | $693,050 | $88,500 |
| Kleberg County | $832,750 | $541,287 | $693,050 | $152,200 |
| Knox County | $832,750 | $541,287 | $693,050 | $66,800 |
| La Salle County | $832,750 | $541,287 | $693,050 | $101,000 |
| Lamar County | $832,750 | $541,287 | $693,050 | $175,500 |
| Lamb County | $832,750 | $541,287 | $693,050 | $76,600 |
| Lampasas County | $832,750 | $541,287 | $693,050 | $236,000 |
| Lavaca County | $832,750 | $541,287 | $693,050 | $220,900 |
| Lee County | $832,750 | $541,287 | $693,050 | $247,500 |
| Leon County | $832,750 | $541,287 | $693,050 | $177,400 |
| Liberty County | $832,750 | $541,287 | $693,050 | $167,100 |
| Limestone County | $832,750 | $541,287 | $693,050 | $154,400 |
| Lipscomb County | $832,750 | $541,287 | $693,050 | $128,400 |
| Live Oak County | $832,750 | $541,287 | $693,050 | $142,300 |
| Llano County | $832,750 | $541,287 | $693,050 | $322,300 |
| Loving County | $832,750 | $541,287 | $693,050 | — |
| Lubbock County | $832,750 | $541,287 | $693,050 | $199,600 |
| Lynn County | $832,750 | $541,287 | $693,050 | $130,800 |
| Madison County | $832,750 | $541,287 | $693,050 | $149,100 |
| Marion County | $832,750 | $541,287 | $693,050 | $110,500 |
| Martin County | $832,750 | $541,287 | $693,050 | $162,200 |
| Mason County | $832,750 | $541,287 | $693,050 | $274,600 |
| Matagorda County | $832,750 | $541,287 | $693,050 | $162,200 |
| Maverick County | $832,750 | $541,287 | $693,050 | $151,500 |
| McCulloch County | $832,750 | $541,287 | $693,050 | $104,400 |
| McLennan County | $832,750 | $541,287 | $693,050 | $219,200 |
| McMullen County | $832,750 | $541,287 | $693,050 | $108,800 |
| Medina County | $832,750 | $557,750 | $714,000 | $220,000 |
| Menard County | $832,750 | $541,287 | $693,050 | $105,300 |
| Midland County | $832,750 | $541,287 | $693,050 | $293,000 |
| Milam County | $832,750 | $541,287 | $693,050 | $168,900 |
| Mills County | $832,750 | $541,287 | $693,050 | $200,200 |
| Mitchell County | $832,750 | $541,287 | $693,050 | $85,700 |
| Montague County | $832,750 | $541,287 | $693,050 | $189,400 |
| Montgomery County | $832,750 | $541,287 | $693,050 | $317,500 |
| Moore County | $832,750 | $541,287 | $693,050 | $135,400 |
| Morris County | $832,750 | $541,287 | $693,050 | $110,200 |
| Motley County | $832,750 | $541,287 | $693,050 | $81,100 |
| Nacogdoches County | $832,750 | $541,287 | $693,050 | $158,200 |
| Navarro County | $832,750 | $541,287 | $693,050 | $159,900 |
| Newton County | $832,750 | $541,287 | $693,050 | $83,100 |
| Nolan County | $832,750 | $541,287 | $693,050 | $98,300 |
| Nueces County | $832,750 | $541,287 | $693,050 | $194,700 |
| Ochiltree County | $832,750 | $541,287 | $693,050 | $137,200 |
| Oldham County | $832,750 | $541,287 | $693,050 | $144,800 |
| Orange County | $832,750 | $541,287 | $693,050 | $163,400 |
| Palo Pinto County | $832,750 | $541,287 | $693,050 | $167,300 |
| Panola County | $832,750 | $541,287 | $693,050 | $146,000 |
| Parker County | $832,750 | $563,500 | $721,400 | $343,600 |
| Parmer County | $832,750 | $541,287 | $693,050 | $127,300 |
| Pecos County | $832,750 | $541,287 | $693,050 | $142,900 |
| Polk County | $832,750 | $541,287 | $693,050 | $154,000 |
| Potter County | $832,750 | $541,287 | $693,050 | $134,900 |
| Presidio County | $832,750 | $541,287 | $693,050 | $123,100 |
| Rains County | $832,750 | $541,287 | $693,050 | $214,900 |
| Randall County | $832,750 | $541,287 | $693,050 | $227,500 |
| Reagan County | $832,750 | $541,287 | $693,050 | $163,700 |
| Real County | $832,750 | $541,287 | $693,050 | — |
| Red River County | $832,750 | $541,287 | $693,050 | $133,800 |
| Reeves County | $832,750 | $541,287 | $693,050 | $113,700 |
| Refugio County | $832,750 | $541,287 | $693,050 | $94,400 |
| Roberts County | $832,750 | $541,287 | $693,050 | $176,800 |
| Robertson County | $832,750 | $541,287 | $693,050 | $172,700 |
| Rockwall County | $832,750 | $563,500 | $721,400 | $386,000 |
| Runnels County | $832,750 | $541,287 | $693,050 | $103,700 |
| Rusk County | $832,750 | $541,287 | $693,050 | $166,900 |
| Sabine County | $832,750 | $541,287 | $693,050 | $131,900 |
| San Augustine County | $832,750 | $541,287 | $693,050 | $83,500 |
| San Jacinto County | $832,750 | $541,287 | $693,050 | $183,100 |
| San Patricio County | $832,750 | $541,287 | $693,050 | $180,400 |
| San Saba County | $832,750 | $541,287 | $693,050 | $161,800 |
| Schleicher County | $832,750 | $541,287 | $693,050 | $113,400 |
| Scurry County | $832,750 | $541,287 | $693,050 | $110,800 |
| Shackelford County | $832,750 | $541,287 | $693,050 | $176,900 |
| Shelby County | $832,750 | $541,287 | $693,050 | $111,700 |
| Sherman County | $832,750 | $541,287 | $693,050 | $125,500 |
| Smith County | $832,750 | $541,287 | $693,050 | $220,800 |
| Somervell County | $832,750 | $541,287 | $693,050 | $253,600 |
| Starr County | $832,750 | $541,287 | $693,050 | $93,300 |
| Stephens County | $832,750 | $541,287 | $693,050 | $105,700 |
| Sterling County | $832,750 | $541,287 | $693,050 | $143,200 |
| Stonewall County | $832,750 | $541,287 | $693,050 | $54,700 |
| Sutton County | $832,750 | $541,287 | $693,050 | $140,600 |
| Swisher County | $832,750 | $541,287 | $693,050 | $89,200 |
| Tarrant County | $832,750 | $563,500 | $721,400 | $294,100 |
| Taylor County | $832,750 | $541,287 | $693,050 | $190,300 |
| Terrell County | $832,750 | $541,287 | $693,050 | $152,200 |
| Terry County | $832,750 | $541,287 | $693,050 | $111,200 |
| Throckmorton County | $832,750 | $541,287 | $693,050 | $84,200 |
| Titus County | $832,750 | $541,287 | $693,050 | $157,900 |
| Tom Green County | $832,750 | $541,287 | $693,050 | $186,700 |
| Travis County | $832,750 | $571,550 | $731,700 | $487,600 |
| Trinity County | $832,750 | $541,287 | $693,050 | $110,100 |
| Tyler County | $832,750 | $541,287 | $693,050 | $138,400 |
| Upshur County | $832,750 | $541,287 | $693,050 | $171,200 |
| Upton County | $832,750 | $541,287 | $693,050 | $106,300 |
| Uvalde County | $832,750 | $541,287 | $693,050 | $144,400 |
| Val Verde County | $832,750 | $541,287 | $693,050 | $151,500 |
| Van Zandt County | $832,750 | $541,287 | $693,050 | $199,500 |
| Victoria County | $832,750 | $541,287 | $693,050 | $197,600 |
| Walker County | $832,750 | $541,287 | $693,050 | $207,900 |
| Waller County | $832,750 | $541,287 | $693,050 | $292,000 |
| Ward County | $832,750 | $541,287 | $693,050 | $138,800 |
| Washington County | $832,750 | $541,287 | $693,050 | $270,100 |
| Webb County | $832,750 | $541,287 | $693,050 | $178,900 |
| Wharton County | $832,750 | $541,287 | $693,050 | $182,700 |
| Wheeler County | $832,750 | $541,287 | $693,050 | $97,600 |
| Wichita County | $832,750 | $541,287 | $693,050 | $141,600 |
| Wilbarger County | $832,750 | $541,287 | $693,050 | $98,800 |
| Willacy County | $832,750 | $541,287 | $693,050 | $60,800 |
| Williamson County | $832,750 | $571,550 | $731,700 | $414,600 |
| Wilson County | $832,750 | $557,750 | $714,000 | $286,300 |
| Winkler County | $832,750 | $541,287 | $693,050 | $121,200 |
| Wise County | $832,750 | $563,500 | $721,400 | $277,200 |
| Wood County | $832,750 | $541,287 | $693,050 | $195,100 |
| Yoakum County | $832,750 | $541,287 | $693,050 | $183,000 |
| Young County | $832,750 | $541,287 | $693,050 | $165,300 |
| Zapata County | $832,750 | $541,287 | $693,050 | $88,800 |
| Zavala County | $832,750 | $541,287 | $693,050 | $88,100 |
Which Texas counties are high-cost areas?
No Texas county is above the national baseline, so the conforming limit is $832,750 statewide.
Largest cities in Texas
Frequently asked questions
FHA one-unit limits in Texas start at $541,287. In Harris County, the most populous county, it's $541,287.
The 2026 one-unit conforming limit in Harris County is $832,750.
With 3.5% down, the $541,287 FHA floor supports a price of about $560,000. Higher-limit counties allow more.
Sources
- FHFA — 2026 Conforming Loan Limit Values
- HUD — 2026 FHA Forward Mortgage Limits (county file)
- U.S. Census Bureau — ACS 2019–2023 5-Year Estimates
Data last updated October 23, 2026.
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