Cottle County, Texas has a 2026 one-unit conforming loan limit of $832,750, which is 14.0 times the county's median home value of $59,300, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $59,063 (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) | $59,300 |
| Texas median home value | $283,800 |
| Limit ÷ median home value | 14.04× |
| Median household income | $59,063 |
| Median home value ÷ income | 1.0× |
| Population | 1,368 |
| Median property tax paid (owners) | $680 |
| Effective property tax rate (approx.) | 1.15% |
| Owner-occupied homes | 83.2% |
| Home value rank in Texas | 247 of 250 counties |
| Neighbor: Childress County, TX | limit $832,750; median home $125,400 |
| Neighbor: Dickens County, TX | limit $832,750; median home $65,300 |
| Neighbor: Foard County, TX | limit $832,750; median home $70,700 |
| Neighbor: Hall County, TX | limit $832,750; median home $86,100 |
| Neighbor: Hardeman County, TX | limit $832,750; median home $81,900 |
| Neighbor: King County, TX | limit $832,750; median home $52,100 |
| Neighbor: Motley County, TX | limit $832,750; median home $88,000 |
Across Texas's 254 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Cottle County's median home value is 79% below the state median of $283,800 (rank 247 of 250). Among its 7 neighboring counties, Childress County has the highest median home value ($125,400) and King County the lowest ($52,100); all share the same loan limit. Owners pay a median $680 a year in property tax, an effective rate of about 1.15% 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: Cotton County, OK
- 2026 conforming loan limit: Cottonwood County, MN
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- 2026 conforming loan limit: Covington County, MS
Last updated 2026-10-16. Data only, not financial or tax advice.