Erath County, Texas has a 2026 one-unit conforming loan limit of $832,750, which is 3.1 times the county's median home value of $269,100, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $65,115 (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) | $269,100 |
| Texas median home value | $283,800 |
| Limit ÷ median home value | 3.09× |
| Median household income | $65,115 |
| Median home value ÷ income | 4.1× |
| Population | 43,794 |
| Median property tax paid (owners) | $2,887 |
| Effective property tax rate (approx.) | 1.07% |
| Owner-occupied homes | 63.1% |
| Home value rank in Texas | 40 of 250 counties |
| Neighbor: Bosque County, TX | limit $832,750; median home $200,900 |
| Neighbor: Comanche County, TX | limit $832,750; median home $155,600 |
| Neighbor: Eastland County, TX | limit $832,750; median home $134,800 |
| Neighbor: Hamilton County, TX | limit $832,750; median home $147,700 |
| Neighbor: Hood County, TX | limit $832,750; median home $306,400 |
| Neighbor: Palo Pinto County, TX | limit $832,750; median home $198,000 |
| Neighbor: Somervell County, TX | limit $832,750; median home $289,500 |
Across Texas's 254 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Erath County's median home value is 5% below the state median of $283,800 (rank 40 of 250). Among its 7 neighboring counties, Hood County has the highest median home value ($306,400) and Eastland County the lowest ($134,800); all share the same loan limit. Owners pay a median $2,887 a year in property tax, an effective rate of about 1.07% 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.
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Last updated 2026-10-16. Data only, not financial or tax advice.