2026 FHA Loan Limits in Texas by County

The Federal Housing Administration (FHA) determines the maximum loan amount borrowers can qualify for when seeking an FHA loan. These FHA loan limits can vary by county and are based on the median home prices in each county. FHA loan limits are adjusted annually based on housing market changes. In Texas, FHA loan limits fall into two main categories:

• Standard Loan Limits. These limits apply to most counties in the state and serve as a baseline for FHA mortgages.
• High Cost Area Loan Limits. These limits are higher than the standard limits and apply to counties with significantly higher median home prices such as Travis, Williamson, Glasscock and Hays counties.

For a 1 unit home (single family) the limits in Texas range from a standard limit of $541,287 up to a high cost limit of $813,050. FHA also has different loan limits based on the number of units in the home. Below are the 2026 FHA loan limits for 1- 4 unit properties in TX for each county.

County	1 Unit	2 Units	3 Units	4 Units
ANDERSON, ANDREWS, ANGELINA, ARANSAS, ARCHER, ARMSTRONG, AUSTIN, BAILEY, BAYLOR, BEE, BELL, BLANCO, BORDEN, BOSQUE, BOWIE, BRAZORIA, BRAZOS, BREWSTER, BRISCOE, BROOKS, BROWN, BURLESON	$541,287	$693,050	$837,700	$1,041,125
BURNET, CALHOUN, CALLAHAN, CAMERON, CAMP, CARSON, CASS, CASTRO, CHAMBERS, CHEROKEE, CHILDRESS, CLAY, COCHRAN, COKE, COLEMAN, COLLINGSWORTH, COLORADO, COMANCHE, CONCHO, COOKE	$541,287	$693,050	$837,700	$1,041,125
CORYELL, COTTLE, CRANE, CROCKETT, CROSBY, CULBERSON, DALLAM, DAWSON, DEAF SMITH, DELTA, DEWITT, DICKENS, DIMMIT, DONLEY, DUVAL, EASTLAND, ECTOR, EDWARDS, EL PASO, ERATH, FALLS, FANNIN	$541,287	$693,050	$837,700	$1,041,125
FAYETTE, FISHER, FLOYD, FOARD, FORT BEND, FRANKLIN, FREESTONE, FRIO, GAINES, GALVESTON, GARZA, GILLESPIE, GOLIAD, GONZALES, GRAY, GRAYSON, GREGG, GRIMES, HALE, HALL	$541,287	$693,050	$837,700	$1,041,125
HAMILTON, HANSFORD, HARDEMAN, HARDIN, HARRIS, HARRISON, HARTLEY, HASKELL, HEMPHILL, HENDERSON, HIDALGO, HILL, HOCKLEY, HOOD, HOPKINS, HOUSTON, HOWARD, HUDSPETH	$541,287	$693,050	$837,700	$1,041,125
HUTCHINSON, IRION, JACK, JACKSON, JASPER, JEFF DAVIS, JEFFERSON, JIM HOGG, JIM WELLS, JONES, KARNES, KENEDY, KENT, KERR, KIMBLE, KING, KINNEY, KLEBERG, KNOX, LA SALLE, LAMAR, LAMB, LAMPASAS	$541,287	$693,050	$837,700	$1,041,125
LAVACA, LEE, LEON, LIBERTY, LIMESTONE, LIPSCOMB, LIVE OAK, LLANO, LOVING, LUBBOCK, LYNN, MADISON, MARION, MARTIN, MASON, MATAGORDA, MAVERICK, MCCULLOCH, MCLENNAN, MCMULLEN, MENARD	$541,287	$693,050	$837,700	$1,041,125
MIDLAND, MILAM, MILLS, MITCHELL, MONTAGUE, MONTGOMERY, MOORE, MORRIS, MOTLEY, NACOGDOCHES, NAVARRO, NEWTON, NOLAN, NUECES, OCHILTREE, OLDHAM, ORANGE, PALO PINTO, PANOLA, PARMER, PECOS	$541,287	$693,050	$837,700	$1,041,125
POLK, POTTER, PRESIDIO, RAINS, RANDALL, REAGAN, REAL, RED RIVER, REEVES, REFUGIO, ROBERTS, ROBERTSON, RUNNELS, RUSK, SABINE, SAN AUGUSTINE, SAN JACINTO, SAN PATRICIO, SAN SABA, SCHLEICHER	$541,287	$693,050	$837,700	$1,041,125
SCURRY, SHACKELFORD, SHELBY, SHERMAN, SMITH, SOMERVELL, STARR, STEPHENS, STERLING, STONEWALL, SUTTON, SWISHER, TAYLOR, TERRELL, TERRY, THROCKMORTON, TITUS, TOM GREEN, TRINITY, TYLER	$541,287	$693,050	$837,700	$1,041,125
UPSHUR, UPTON, UVALDE, VAL VERDE, VAN ZANDT, VICTORIA, WALKER, WALLER, WARD, WASHINGTON, WEBB, WHARTON, WHEELER, WICHITA, WILBARGER, WILLACY, WINKLER, WOOD, YOAKUM, YOUNG, ZAPATA, ZAVALA	$541,287	$693,050	$837,700	$1,041,125
ATASCOSA, BANDERA, BEXAR, COMAL, GUADALUPE, KENDALL, MEDINA, WILSON	$557,750	$714,000	$863,100	$1,072,600
COLLIN, DALLAS, DENTON, ELLIS, HUNT, JOHNSON, KAUFMAN, PARKER, ROCKWALL, TARRANT, WISE	$563,500	$721,400	$872,000	$1,083,650
BASTROP, CALDWELL, HAYS, TRAVIS, WILLIAMSON	$571,550	$731,700	$884,450	$1,099,150
GLASSCOCK	$813,050	$1,040,850	$1,258,150	$1,563,600

Look up 2026 loan limits for any US county

Use our calculator below to see exact 2026 FHA and conforming loan limits for any United States county.

2026 FHA loan limits in Texas high cost counties

Twenty five of Texas's 254 counties qualify for a higher FHA loan limit in 2026 spread across four distinct tiers. From highest to lowest: Glasscock County in the Permian Basin at $813,050; the five Austin Metro counties at $571,550; the eleven Dallas-Fort Worth Metroplex counties at $563,500; and the eight San Antonio Metro counties at $557,750. Notably absent from the high cost tier is the Houston Metro, which despite being Texas's second largest metro by population sits entirely at the FHA floor.

Glasscock County FHA limits

Glasscock County, a small Permian Basin county adjacent to Midland with Garden City as its county seat, carries Texas's highest 2026 FHA limit at $813,050 for a one unit property. Multi-unit limits increase to $1,040,850 (2 unit), $1,258,150 (3 unit), and $1,563,600 (4 unit). Glasscock's higher tier reflects the combination of oil and gas-driven home values in the Permian Basin and an extremely small housing stock, the county has a population of roughly 1,200, which can push median home prices up dramatically when a small number of high-end transactions move the local median. Glasscock is the only Texas county outside the major metros at a higher FHA tier and the only county statewide where the FHA limit ($813,050) approaches the conforming limit ($832,750) for the same property.

Austin Metro FHA limits

The five Austin-Round Rock-San Marcos MSA counties share the 2026 FHA limit at $571,550 for a one unit property: Travis (Austin, Pflugerville, Lakeway, West Lake Hills, Bee Cave, Manor), Williamson (Round Rock, Cedar Park, Leander, Georgetown, Hutto, Liberty Hill, Taylor), Hays (San Marcos, Buda, Kyle, Wimberley, Dripping Springs, Driftwood), Bastrop (Bastrop, Smithville, Elgin, Cedar Creek), and Caldwell (Lockhart, Luling, Martindale). Multi-unit limits in all five counties are $731,700 (2 unit), $884,450 (3 unit), and $1,099,150 (4 unit). The Austin MSA has been one of the fastest-appreciating major metros in the country over the past decade, and the dedicated FHA tier reflects local median home prices well above the state baseline.

Dallas-Fort Worth Metroplex FHA limits

Eleven of the thirteen Dallas-Fort Worth-Arlington MSA counties share the 2026 FHA limit of $563,500 for a one unit property: Dallas (Dallas, Garland, Irving, Mesquite, Richardson, Carrollton, Grand Prairie), Tarrant (Fort Worth, Arlington, Mansfield, Grapevine, Bedford, Hurst, Euless), Collin (Plano, McKinney, Frisco, Allen, Wylie, Prosper), Denton (Denton, Flower Mound, Lewisville, Coppell, Highland Village, Little Elm), Rockwall (Rockwall, Heath, Royse City), Kaufman (Kaufman, Terrell, Forney), Ellis (Waxahachie, Midlothian, Red Oak), Johnson (Cleburne, Burleson, Joshua), Parker (Weatherford, Aledo, Springtown), Wise (Decatur, Bridgeport), and Hunt (Greenville, Commerce). Multi-unit limits in all eleven counties are $721,400 (2 unit), $872,000 (3 unit), and $1,083,650 (4 unit). Hood and Somervell counties are also part of the DFW MSA geographically but remain at the FHA floor of $541,287 because their local median home prices are below the threshold for the higher tier.

San Antonio Metro FHA limits

The eight San Antonio-New Braunfels MSA counties share the 2026 FHA limit of $557,750 for a one unit property: Bexar (San Antonio, Converse, Universal City, Live Oak, Schertz, Leon Valley, Helotes), Comal (New Braunfels, Bulverde, Garden Ridge, Canyon Lake), Guadalupe (Seguin, Cibolo, Schertz), Atascosa (Pleasanton, Jourdanton, Lytle), Bandera (Bandera, Pipe Creek, Medina), Kendall (Boerne, Comfort), Medina (Hondo, Castroville, Devine), and Wilson (Floresville, La Vernia). Multi-unit limits across all eight counties are $714,000 (2 unit), $863,100 (3 unit), and $1,072,600 (4 unit). The San Antonio Metro tier is the lowest of the four Texas high cost tiers, only $16,463 above the state floor, reflecting local median home prices that are above the baseline but well below Dallas-Fort Worth and Austin.

2026 FHA loan limits in Texas floor counties

229 of Texas's 254 counties carry the standard FHA floor limit in 2026. The floor for a one unit property is $541,287, with multi-unit limits at $693,050 (2 unit), $837,700 (3 unit), and $1,041,125 (4 unit). These limits cover the entirety of the Houston Metro, El Paso, the Texas Panhandle, the Rio Grande Valley, East Texas, the Hill Country outside Austin, two outlying DFW MSA counties (Hood and Somervell), and all of rural Texas.

Houston Metro FHA limits

Despite being the second largest metro in Texas and the fifth largest in the country, the entire nine-county Houston-Pasadena-The Woodlands MSA carries the FHA floor at $541,287 for a one unit property: Harris (Houston, Pasadena, Baytown, La Porte, Deer Park, Friendswood, Channelview, Tomball, Spring), Fort Bend (Sugar Land, Missouri City, Richmond, Rosenberg, Katy, Stafford), Montgomery (Conroe, The Woodlands, Magnolia, Splendora, Willis), Brazoria (Pearland, Lake Jackson, Angleton, Alvin, Manvel), Galveston (Galveston, League City, Texas City, Friendswood, Dickinson), Liberty (Liberty, Cleveland, Dayton), Chambers (Mont Belvieu, Anahuac), Waller (Hempstead, Waller, Prairie View), and Austin County (Bellville, Sealy). Houston is the only major Texas metro entirely at the FHA floor. The practical result is that the $541,287 FHA limit covers an unusually large share of Houston single family transactions making FHA financing widely accessible across the metro.

El Paso, Rio Grande Valley, East Texas, and Rural Texas

El Paso County (El Paso, Socorro, Horizon City) and the broader West Texas region; the Rio Grande Valley counties of Cameron (Brownsville, Harlingen), Hidalgo (McAllen, Edinburg, Mission, Pharr), Starr, and Willacy; the East Texas metros around Tyler (Smith County), Longview (Gregg County), and Texarkana (Bowie County); the Texas Panhandle including Lubbock, Amarillo, and Wichita Falls; and the entirety of rural Texas all carry the FHA floor at $541,287. Median home prices in many of these regions are well under $250,000, leaving substantial headroom under the FHA cap for most purchases.

What happens if your Texas purchase exceeds the FHA loan limit?

If your purchase price requires a loan that exceeds the FHA limit for your Texas county, FHA financing isn't an option for the full amount. Common alternatives include:

• Conventional conforming loan. The 2026 Texas conforming loan limit is $832,750 statewide, meaning conventional financing reaches significantly further than FHA in every Texas county. Conventional loans require 3-5% minimum down for first time buyers with a 620+ credit score, or 20% down to avoid mortgage insurance. See our 2026 Texas Conforming Loan Limits page for full conforming county details.
• Jumbo loan. If your purchase exceeds both FHA and conforming limits, jumbo financing is the next option. Jumbo requirements are typically stricter (700+ credit score, 10-20% down, lower DTI), but rates often price competitively with conforming for strong borrowers. Texas's most active jumbo markets are in the highest-end Austin, Dallas-Fort Worth, and Houston neighborhoods.
• Larger down payment. Increasing your down payment can bring your loan amount within the FHA or conforming limit. In Houston, El Paso, and other floor counties where the FHA limit is $541,287, a larger down payment can keep FHA financing as an option on most Texas purchases.

How to get pre-approved for a Texas FHA loan

Getting pre-approved for a FHA mortgage is quick and easy with our Online Loan Application. After completing the application, you will receive instructions on how to upload your documents. For a list of documents you will need to upload, see our Pre-approval Document Checklist.

Ready to get started on your TX FHA loan?

Whether you're a first-time buyer, refinancing an existing FHA loan, or considering an FHA 203(k) renovation loan, Alpine Mortgage is ready to help. The next step depends on where you are in the process:

Or call (201) 488-8809 to speak with a Texas FHA loan originator today.

Texas FHA Loan Limits FAQs