Bailey County, Texas has a 2026 one-unit conforming loan limit of $832,750, which is 7.9 times the county's median home value of $105,300, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $61,420 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $832,750 |
| 2-unit limit | $1,066,250 |
| 3-unit limit | $1,288,800 |
| 4-unit limit | $1,601,750 |
| Median home value (ACS 2020–24) | $105,300 |
| Texas median home value | $283,800 |
| Limit ÷ median home value | 7.91× |
| Median household income | $61,420 |
| Median home value ÷ income | 1.7× |
| Population | 6,913 |
| Median property tax paid (owners) | $1,601 |
| Effective property tax rate (approx.) | 1.52% |
| Owner-occupied homes | 79.9% |
| Home value rank in Texas | 203 of 250 counties |
| Neighbor: Curry County, NM | limit $832,750; median home $171,200 |
| Neighbor: Roosevelt County, NM | limit $832,750; median home $135,800 |
| Neighbor: Cochran County, TX | limit $832,750; median home $53,200 |
| Neighbor: Hockley County, TX | limit $832,750; median home $127,000 |
| Neighbor: Lamb County, TX | limit $832,750; median home $82,400 |
| Neighbor: Parmer County, TX | limit $832,750; median home $146,700 |
Across Texas's 254 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Bailey County's median home value is 63% below the state median of $283,800 (rank 203 of 250). Among its 6 neighboring counties, Curry County has the highest median home value ($171,200) and Cochran County the lowest ($53,200); all share the same loan limit. Owners pay a median $1,601 a year in property tax, an effective rate of about 1.52% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
Related
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- 2026 conforming loan limit: Baldwin County, AL
- 2026 conforming loan limit: Baldwin County, GA
Last updated 2026-10-16. Data only, not financial or tax advice.