El Paso County, Texas has a 2026 one-unit conforming loan limit of $832,750, which is 4.6 times the county's median home value of $180,400, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $59,806 (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) | $180,400 |
| Texas median home value | $283,800 |
| Limit ÷ median home value | 4.62× |
| Median household income | $59,806 |
| Median home value ÷ income | 3.0× |
| Population | 870,779 |
| Median property tax paid (owners) | $3,660 |
| Effective property tax rate (approx.) | 2.03% |
| Owner-occupied homes | 64.2% |
| Home value rank in Texas | 104 of 250 counties |
| Neighbor: Dona Ana County, NM | limit $832,750; median home $220,800 |
| Neighbor: Otero County, NM | limit $832,750; median home $162,700 |
| Neighbor: Hudspeth County, TX | limit $832,750; median home $64,000 |
Across Texas's 254 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. El Paso County's median home value is 36% below the state median of $283,800 (rank 104 of 250). Among its 3 neighboring counties, Dona Ana County has the highest median home value ($220,800) and Hudspeth County the lowest ($64,000); all share the same loan limit. Owners pay a median $3,660 a year in property tax, an effective rate of about 2.03% 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: Effingham County, IL
- 2026 conforming loan limit: El Dorado County, CA
- 2026 conforming loan limit: El Paso County, CO
- 2026 conforming loan limit: Elbert County, CO
- 2026 conforming loan limit: Elbert County, GA
- 2026 conforming loan limit: Elk County, KS
- 2026 conforming loan limit: Elk County, PA
- 2026 conforming loan limit: Elkhart County, IN
Last updated 2026-10-16. Data only, not financial or tax advice.