Ellis County, Texas has a 2026 one-unit conforming loan limit of $832,750, which is 2.4 times the county's median home value of $348,600, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $99,595 (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) | $348,600 |
| Texas median home value | $283,800 |
| Limit ÷ median home value | 2.39× |
| Median household income | $99,595 |
| Median home value ÷ income | 3.5× |
| Population | 213,160 |
| Median property tax paid (owners) | $4,697 |
| Effective property tax rate (approx.) | 1.35% |
| Owner-occupied homes | 75.8% |
| Home value rank in Texas | 14 of 250 counties |
| Neighbor: Dallas County, TX | limit $832,750; median home $303,000 |
| Neighbor: Henderson County, TX | limit $832,750; median home $211,300 |
| Neighbor: Hill County, TX | limit $832,750; median home $179,200 |
| Neighbor: Johnson County, TX | limit $832,750; median home $285,900 |
| Neighbor: Kaufman County, TX | limit $832,750; median home $320,900 |
| Neighbor: Navarro County, TX | limit $832,750; median home $172,600 |
| Neighbor: Tarrant County, TX | limit $832,750; median home $323,900 |
Across Texas's 254 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Ellis County's median home value is 23% above the state median of $283,800 (rank 14 of 250). Among its 7 neighboring counties, Tarrant County has the highest median home value ($323,900) and Navarro County the lowest ($172,600); all share the same loan limit. Owners pay a median $4,697 a year in property tax, an effective rate of about 1.35% 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: Elliott County, KY
- 2026 conforming loan limit: Ellis County, KS
- 2026 conforming loan limit: Ellis County, OK
- 2026 conforming loan limit: Ellsworth County, KS
- 2026 conforming loan limit: Elmore County, AL
- 2026 conforming loan limit: Elmore County, ID
- 2026 conforming loan limit: Emanuel County, GA
- 2026 conforming loan limit: Emery County, UT
Last updated 2026-10-16. Data only, not financial or tax advice.