Collin County, Texas has a 2026 one-unit conforming loan limit of $832,750, which is 1.8 times the county's median home value of $475,600, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $121,600 (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) | $475,600 |
| Texas median home value | $283,800 |
| Limit ÷ median home value | 1.75× |
| Median household income | $121,600 |
| Median home value ÷ income | 3.9× |
| Population | 1,163,337 |
| Median property tax paid (owners) | $7,521 |
| Effective property tax rate (approx.) | 1.58% |
| Owner-occupied homes | 64.5% |
| Home value rank in Texas | 4 of 250 counties |
| Neighbor: Dallas County, TX | limit $832,750; median home $303,000 |
| Neighbor: Denton County, TX | limit $832,750; median home $437,200 |
| Neighbor: Fannin County, TX | limit $832,750; median home $233,700 |
| Neighbor: Grayson County, TX | limit $832,750; median home $248,400 |
| Neighbor: Hunt County, TX | limit $832,750; median home $241,700 |
| Neighbor: Rockwall County, TX | limit $832,750; median home $415,500 |
Across Texas's 254 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Collin County's median home value is 68% above the state median of $283,800 (rank 4 of 250). Among its 6 neighboring counties, Denton County has the highest median home value ($437,200) and Fannin County the lowest ($233,700); all share the same loan limit. Owners pay a median $7,521 a year in property tax, an effective rate of about 1.58% 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: Colfax County, NM
- 2026 conforming loan limit: Colleton County, SC
- 2026 conforming loan limit: Collier County, FL
- 2026 conforming loan limit: Collingsworth County, TX
- 2026 conforming loan limit: Colonial Heights City, VA
- 2026 conforming loan limits in Colorado by county
- 2026 conforming loan limit: Colorado County, TX
- 2026 conforming loan limit: Colquitt County, GA
Last updated 2026-10-16. Data only, not financial or tax advice.