Denton County, Texas has a 2026 one-unit conforming loan limit of $832,750, which is 1.9 times the county's median home value of $437,200, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $111,498 (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) | $437,200 |
| Texas median home value | $283,800 |
| Limit ÷ median home value | 1.90× |
| Median household income | $111,498 |
| Median home value ÷ income | 3.9× |
| Population | 979,561 |
| Median property tax paid (owners) | $7,055 |
| Effective property tax rate (approx.) | 1.61% |
| Owner-occupied homes | 65.5% |
| Home value rank in Texas | 7 of 250 counties |
| Neighbor: Collin County, TX | limit $832,750; median home $475,600 |
| Neighbor: Cooke County, TX | limit $832,750; median home $240,400 |
| Neighbor: Dallas County, TX | limit $832,750; median home $303,000 |
| Neighbor: Grayson County, TX | limit $832,750; median home $248,400 |
| Neighbor: Tarrant County, TX | limit $832,750; median home $323,900 |
| 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. Denton County's median home value is 54% above the state median of $283,800 (rank 7 of 250). Among its 6 neighboring counties, Collin County has the highest median home value ($475,600) and Cooke County the lowest ($240,400); all share the same loan limit. Owners pay a median $7,055 a year in property tax, an effective rate of about 1.61% 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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Last updated 2026-10-16. Data only, not financial or tax advice.