Bell County, Texas has a 2026 one-unit conforming loan limit of $832,750, which is 3.5 times the county's median home value of $241,000, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $68,865 (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) | $241,000 |
| Texas median home value | $283,800 |
| Limit ÷ median home value | 3.46× |
| Median household income | $68,865 |
| Median home value ÷ income | 3.5× |
| Population | 386,897 |
| Median property tax paid (owners) | $3,476 |
| Effective property tax rate (approx.) | 1.44% |
| Owner-occupied homes | 56.5% |
| Home value rank in Texas | 52 of 250 counties |
| Neighbor: Burnet County, TX | limit $832,750; median home $344,000 |
| Neighbor: Coryell County, TX | limit $832,750; median home $195,300 |
| Neighbor: Falls County, TX | limit $832,750; median home $110,900 |
| Neighbor: Lampasas County, TX | limit $832,750; median home $250,400 |
| Neighbor: Mclennan County, TX | limit $832,750; median home $243,600 |
| Neighbor: Milam County, TX | limit $832,750; median home $189,800 |
| Neighbor: Williamson County, TX | limit $832,750; median home $447,000 |
Across Texas's 254 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Bell County's median home value is 15% below the state median of $283,800 (rank 52 of 250). Among its 7 neighboring counties, Williamson County has the highest median home value ($447,000) and Falls County the lowest ($110,900); all share the same loan limit. Owners pay a median $3,476 a year in property tax, an effective rate of about 1.44% 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
- 2026 conforming loan limit: Bee County, TX
- 2026 conforming loan limit: Belknap County, NH
- 2026 conforming loan limit: Bell County, KY
- 2026 conforming loan limit: Belmont County, OH
- 2026 conforming loan limit: Beltrami County, MN
- 2026 conforming loan limit: Ben Hill County, GA
- 2026 conforming loan limit: Benewah County, ID
- 2026 conforming loan limit: Bennett County, SD
Last updated 2026-10-16. Data only, not financial or tax advice.