Cooke 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 $240,400, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $73,932 (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) | $240,400 |
| Texas median home value | $283,800 |
| Limit ÷ median home value | 3.46× |
| Median household income | $73,932 |
| Median home value ÷ income | 3.3× |
| Population | 43,046 |
| Median property tax paid (owners) | $2,864 |
| Effective property tax rate (approx.) | 1.19% |
| Owner-occupied homes | 71.8% |
| Home value rank in Texas | 55 of 250 counties |
| Neighbor: Love County, OK | limit $832,750; median home $171,000 |
| Neighbor: Denton County, TX | limit $832,750; median home $437,200 |
| Neighbor: Grayson County, TX | limit $832,750; median home $248,400 |
| Neighbor: Montague County, TX | limit $832,750; median home $206,400 |
| Neighbor: Wise County, TX | limit $832,750; median home $304,900 |
Across Texas's 254 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Cooke County's median home value is 15% below the state median of $283,800 (rank 55 of 250). Among its 5 neighboring counties, Denton County has the highest median home value ($437,200) and Love County the lowest ($171,000); all share the same loan limit. Owners pay a median $2,864 a year in property tax, an effective rate of about 1.19% 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: Cook County, GA
- 2026 conforming loan limit: Cook County, IL
- 2026 conforming loan limit: Cook County, MN
- 2026 conforming loan limit: Cooper County, MO
- 2026 conforming loan limit: Coos County, NH
- 2026 conforming loan limit: Coos County, OR
- 2026 conforming loan limit: Coosa County, AL
- 2026 conforming loan limit: Copiah County, MS
Last updated 2026-10-16. Data only, not financial or tax advice.