Caldwell 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 $240,500, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $69,758 (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) | $240,500 |
| Texas median home value | $283,800 |
| Limit ÷ median home value | 3.46× |
| Median household income | $69,758 |
| Median home value ÷ income | 3.4× |
| Population | 48,669 |
| Median property tax paid (owners) | $3,235 |
| Effective property tax rate (approx.) | 1.35% |
| Owner-occupied homes | 75.3% |
| Home value rank in Texas | 54 of 250 counties |
| Neighbor: Bastrop County, TX | limit $832,750; median home $314,800 |
| Neighbor: Fayette County, TX | limit $832,750; median home $293,900 |
| Neighbor: Gonzales County, TX | limit $832,750; median home $159,100 |
| Neighbor: Guadalupe County, TX | limit $832,750; median home $304,400 |
| Neighbor: Hays County, TX | limit $832,750; median home $399,800 |
| Neighbor: Travis County, TX | limit $832,750; median home $523,000 |
Across Texas's 254 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Caldwell County's median home value is 15% below the state median of $283,800 (rank 54 of 250). Among its 6 neighboring counties, Travis County has the highest median home value ($523,000) and Gonzales County the lowest ($159,100); all share the same loan limit. Owners pay a median $3,235 a year in property tax, an effective rate of about 1.35% 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: Caldwell County, KY
- 2026 conforming loan limit: Caldwell County, MO
- 2026 conforming loan limit: Caldwell County, NC
- 2026 conforming loan limit: Caldwell Parish, LA
- 2026 conforming loan limit: Caledonia County, VT
- 2026 conforming loan limit: Calhoun County, AL
- 2026 conforming loan limit: Calhoun County, AR
- 2026 conforming loan limit: Calhoun County, FL
Last updated 2026-10-16. Data only, not financial or tax advice.