2026 loan limits in Texas
All 254 counties in Texas use the national baseline: $832,750 for conforming loans and $541,287 for FHA loans on a one-unit home.
One-unit limits by county
| County | Conforming | FHA |
|---|---|---|
| Anderson County | $832,750 | $541,287 |
| Andrews County | $832,750 | $541,287 |
| Angelina County | $832,750 | $541,287 |
| Aransas County | $832,750 | $541,287 |
| Archer County | $832,750 | $541,287 |
| Armstrong County | $832,750 | $541,287 |
| Atascosa County | $832,750 | $557,750 |
| Austin County | $832,750 | $541,287 |
| Bailey County | $832,750 | $541,287 |
| Bandera County | $832,750 | $557,750 |
| Bastrop County | $832,750 | $571,550 |
| Baylor County | $832,750 | $541,287 |
| Bee County | $832,750 | $541,287 |
| Bell County | $832,750 | $541,287 |
| Bexar County | $832,750 | $557,750 |
| Blanco County | $832,750 | $541,287 |
| Borden County | $832,750 | $541,287 |
| Bosque County | $832,750 | $541,287 |
| Bowie County | $832,750 | $541,287 |
| Brazoria County | $832,750 | $541,287 |
| Brazos County | $832,750 | $541,287 |
| Brewster County | $832,750 | $541,287 |
| Briscoe County | $832,750 | $541,287 |
| Brooks County | $832,750 | $541,287 |
| Brown County | $832,750 | $541,287 |
| Burleson County | $832,750 | $541,287 |
| Burnet County | $832,750 | $541,287 |
| Caldwell County | $832,750 | $571,550 |
| Calhoun County | $832,750 | $541,287 |
| Callahan County | $832,750 | $541,287 |
| Cameron County | $832,750 | $541,287 |
| Camp County | $832,750 | $541,287 |
| Carson County | $832,750 | $541,287 |
| Cass County | $832,750 | $541,287 |
| Castro County | $832,750 | $541,287 |
| Chambers County | $832,750 | $541,287 |
| Cherokee County | $832,750 | $541,287 |
| Childress County | $832,750 | $541,287 |
| Clay County | $832,750 | $541,287 |
| Cochran County | $832,750 | $541,287 |
| Coke County | $832,750 | $541,287 |
| Coleman County | $832,750 | $541,287 |
| Collin County | $832,750 | $563,500 |
| Collingsworth County | $832,750 | $541,287 |
| Colorado County | $832,750 | $541,287 |
| Comal County | $832,750 | $557,750 |
| Comanche County | $832,750 | $541,287 |
| Concho County | $832,750 | $541,287 |
| Cooke County | $832,750 | $541,287 |
| Coryell County | $832,750 | $541,287 |
| Cottle County | $832,750 | $541,287 |
| Crane County | $832,750 | $541,287 |
| Crockett County | $832,750 | $541,287 |
| Crosby County | $832,750 | $541,287 |
| Culberson County | $832,750 | $541,287 |
| Dallam County | $832,750 | $541,287 |
| Dallas County | $832,750 | $563,500 |
| Dawson County | $832,750 | $541,287 |
| Deaf Smith County | $832,750 | $541,287 |
| Delta County | $832,750 | $541,287 |
| Denton County | $832,750 | $563,500 |
| DeWitt County | $832,750 | $541,287 |
| Dickens County | $832,750 | $541,287 |
| Dimmit County | $832,750 | $541,287 |
| Donley County | $832,750 | $541,287 |
| Duval County | $832,750 | $541,287 |
| Eastland County | $832,750 | $541,287 |
| Ector County | $832,750 | $541,287 |
| Edwards County | $832,750 | $541,287 |
| El Paso County | $832,750 | $541,287 |
| Ellis County | $832,750 | $563,500 |
| Erath County | $832,750 | $541,287 |
| Falls County | $832,750 | $541,287 |
| Fannin County | $832,750 | $541,287 |
| Fayette County | $832,750 | $541,287 |
| Fisher County | $832,750 | $541,287 |
| Floyd County | $832,750 | $541,287 |
| Foard County | $832,750 | $541,287 |
| Fort Bend County | $832,750 | $541,287 |
| Franklin County | $832,750 | $541,287 |
| Freestone County | $832,750 | $541,287 |
| Frio County | $832,750 | $541,287 |
| Gaines County | $832,750 | $541,287 |
| Galveston County | $832,750 | $541,287 |
| Garza County | $832,750 | $541,287 |
| Gillespie County | $832,750 | $541,287 |
| Glasscock County | $832,750 | $813,050 |
| Goliad County | $832,750 | $541,287 |
| Gonzales County | $832,750 | $541,287 |
| Gray County | $832,750 | $541,287 |
| Grayson County | $832,750 | $541,287 |
| Gregg County | $832,750 | $541,287 |
| Grimes County | $832,750 | $541,287 |
| Guadalupe County | $832,750 | $557,750 |
| Hale County | $832,750 | $541,287 |
| Hall County | $832,750 | $541,287 |
| Hamilton County | $832,750 | $541,287 |
| Hansford County | $832,750 | $541,287 |
| Hardeman County | $832,750 | $541,287 |
| Hardin County | $832,750 | $541,287 |
| Harris County | $832,750 | $541,287 |
| Harrison County | $832,750 | $541,287 |
| Hartley County | $832,750 | $541,287 |
| Haskell County | $832,750 | $541,287 |
| Hays County | $832,750 | $571,550 |
| Hemphill County | $832,750 | $541,287 |
| Henderson County | $832,750 | $541,287 |
| Hidalgo County | $832,750 | $541,287 |
| Hill County | $832,750 | $541,287 |
| Hockley County | $832,750 | $541,287 |
| Hood County | $832,750 | $541,287 |
| Hopkins County | $832,750 | $541,287 |
| Houston County | $832,750 | $541,287 |
| Howard County | $832,750 | $541,287 |
| Hudspeth County | $832,750 | $541,287 |
| Hunt County | $832,750 | $563,500 |
| Hutchinson County | $832,750 | $541,287 |
| Irion County | $832,750 | $541,287 |
| Jack County | $832,750 | $541,287 |
| Jackson County | $832,750 | $541,287 |
| Jasper County | $832,750 | $541,287 |
| Jeff Davis County | $832,750 | $541,287 |
| Jefferson County | $832,750 | $541,287 |
| Jim Hogg County | $832,750 | $541,287 |
| Jim Wells County | $832,750 | $541,287 |
| Johnson County | $832,750 | $563,500 |
| Jones County | $832,750 | $541,287 |
| Karnes County | $832,750 | $541,287 |
| Kaufman County | $832,750 | $563,500 |
| Kendall County | $832,750 | $557,750 |
| Kenedy County | $832,750 | $541,287 |
| Kent County | $832,750 | $541,287 |
| Kerr County | $832,750 | $541,287 |
| Kimble County | $832,750 | $541,287 |
| King County | $832,750 | $541,287 |
| Kinney County | $832,750 | $541,287 |
| Kleberg County | $832,750 | $541,287 |
| Knox County | $832,750 | $541,287 |
| La Salle County | $832,750 | $541,287 |
| Lamar County | $832,750 | $541,287 |
| Lamb County | $832,750 | $541,287 |
| Lampasas County | $832,750 | $541,287 |
| Lavaca County | $832,750 | $541,287 |
| Lee County | $832,750 | $541,287 |
| Leon County | $832,750 | $541,287 |
| Liberty County | $832,750 | $541,287 |
| Limestone County | $832,750 | $541,287 |
| Lipscomb County | $832,750 | $541,287 |
| Live Oak County | $832,750 | $541,287 |
| Llano County | $832,750 | $541,287 |
| Loving County | $832,750 | $541,287 |
| Lubbock County | $832,750 | $541,287 |
| Lynn County | $832,750 | $541,287 |
| Madison County | $832,750 | $541,287 |
| Marion County | $832,750 | $541,287 |
| Martin County | $832,750 | $541,287 |
| Mason County | $832,750 | $541,287 |
| Matagorda County | $832,750 | $541,287 |
| Maverick County | $832,750 | $541,287 |
| McCulloch County | $832,750 | $541,287 |
| McLennan County | $832,750 | $541,287 |
| McMullen County | $832,750 | $541,287 |
| Medina County | $832,750 | $557,750 |
| Menard County | $832,750 | $541,287 |
| Midland County | $832,750 | $541,287 |
| Milam County | $832,750 | $541,287 |
| Mills County | $832,750 | $541,287 |
| Mitchell County | $832,750 | $541,287 |
| Montague County | $832,750 | $541,287 |
| Montgomery County | $832,750 | $541,287 |
| Moore County | $832,750 | $541,287 |
| Morris County | $832,750 | $541,287 |
| Motley County | $832,750 | $541,287 |
| Nacogdoches County | $832,750 | $541,287 |
| Navarro County | $832,750 | $541,287 |
| Newton County | $832,750 | $541,287 |
| Nolan County | $832,750 | $541,287 |
| Nueces County | $832,750 | $541,287 |
| Ochiltree County | $832,750 | $541,287 |
| Oldham County | $832,750 | $541,287 |
| Orange County | $832,750 | $541,287 |
| Palo Pinto County | $832,750 | $541,287 |
| Panola County | $832,750 | $541,287 |
| Parker County | $832,750 | $563,500 |
| Parmer County | $832,750 | $541,287 |
| Pecos County | $832,750 | $541,287 |
| Polk County | $832,750 | $541,287 |
| Potter County | $832,750 | $541,287 |
| Presidio County | $832,750 | $541,287 |
| Rains County | $832,750 | $541,287 |
| Randall County | $832,750 | $541,287 |
| Reagan County | $832,750 | $541,287 |
| Real County | $832,750 | $541,287 |
| Red River County | $832,750 | $541,287 |
| Reeves County | $832,750 | $541,287 |
| Refugio County | $832,750 | $541,287 |
| Roberts County | $832,750 | $541,287 |
| Robertson County | $832,750 | $541,287 |
| Rockwall County | $832,750 | $563,500 |
| Runnels County | $832,750 | $541,287 |
| Rusk County | $832,750 | $541,287 |
| Sabine County | $832,750 | $541,287 |
| San Augustine County | $832,750 | $541,287 |
| San Jacinto County | $832,750 | $541,287 |
| San Patricio County | $832,750 | $541,287 |
| San Saba County | $832,750 | $541,287 |
| Schleicher County | $832,750 | $541,287 |
| Scurry County | $832,750 | $541,287 |
| Shackelford County | $832,750 | $541,287 |
| Shelby County | $832,750 | $541,287 |
| Sherman County | $832,750 | $541,287 |
| Smith County | $832,750 | $541,287 |
| Somervell County | $832,750 | $541,287 |
| Starr County | $832,750 | $541,287 |
| Stephens County | $832,750 | $541,287 |
| Sterling County | $832,750 | $541,287 |
| Stonewall County | $832,750 | $541,287 |
| Sutton County | $832,750 | $541,287 |
| Swisher County | $832,750 | $541,287 |
| Tarrant County | $832,750 | $563,500 |
| Taylor County | $832,750 | $541,287 |
| Terrell County | $832,750 | $541,287 |
| Terry County | $832,750 | $541,287 |
| Throckmorton County | $832,750 | $541,287 |
| Titus County | $832,750 | $541,287 |
| Tom Green County | $832,750 | $541,287 |
| Travis County | $832,750 | $571,550 |
| Trinity County | $832,750 | $541,287 |
| Tyler County | $832,750 | $541,287 |
| Upshur County | $832,750 | $541,287 |
| Upton County | $832,750 | $541,287 |
| Uvalde County | $832,750 | $541,287 |
| Val Verde County | $832,750 | $541,287 |
| Van Zandt County | $832,750 | $541,287 |
| Victoria County | $832,750 | $541,287 |
| Walker County | $832,750 | $541,287 |
| Waller County | $832,750 | $541,287 |
| Ward County | $832,750 | $541,287 |
| Washington County | $832,750 | $541,287 |
| Webb County | $832,750 | $541,287 |
| Wharton County | $832,750 | $541,287 |
| Wheeler County | $832,750 | $541,287 |
| Wichita County | $832,750 | $541,287 |
| Wilbarger County | $832,750 | $541,287 |
| Willacy County | $832,750 | $541,287 |
| Williamson County | $832,750 | $571,550 |
| Wilson County | $832,750 | $557,750 |
| Winkler County | $832,750 | $541,287 |
| Wise County | $832,750 | $563,500 |
| Wood County | $832,750 | $541,287 |
| Yoakum County | $832,750 | $541,287 |
| Young County | $832,750 | $541,287 |
| Zapata County | $832,750 | $541,287 |
| Zavala County | $832,750 | $541,287 |
More for Texas
Limits for 2026 from HUD’s county files; conforming limits are set by the Federal Housing Finance Agency.