Franklin County, Texas has a 2026 one-unit conforming loan limit of $832,750, which is 3.7 times the county's median home value of $226,300, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $72,360 (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) | $226,300 |
| Texas median home value | $283,800 |
| Limit ÷ median home value | 3.68× |
| Median household income | $72,360 |
| Median home value ÷ income | 3.1× |
| Population | 10,632 |
| Median property tax paid (owners) | $2,023 |
| Effective property tax rate (approx.) | 0.89% |
| Owner-occupied homes | 82.0% |
| Home value rank in Texas | 63 of 250 counties |
| Neighbor: Camp County, TX | limit $832,750; median home $173,100 |
| Neighbor: Delta County, TX | limit $832,750; median home $164,300 |
| Neighbor: Hopkins County, TX | limit $832,750; median home $221,100 |
| Neighbor: Red River County, TX | limit $832,750; median home $121,500 |
| Neighbor: Titus County, TX | limit $832,750; median home $174,000 |
| Neighbor: Wood County, TX | limit $832,750; median home $216,500 |
Across Texas's 254 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Franklin County's median home value is 20% below the state median of $283,800 (rank 63 of 250). Among its 6 neighboring counties, Hopkins County has the highest median home value ($221,100) and Red River County the lowest ($121,500); all share the same loan limit. Owners pay a median $2,023 a year in property tax, an effective rate of about 0.89% 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: Franklin County, OH
- 2026 conforming loan limit: Franklin County, PA
- 2026 conforming loan limit: Franklin County, TN
- 2026 conforming loan limit: Franklin County, VA
- 2026 conforming loan limit: Franklin County, VT
- 2026 conforming loan limit: Franklin County, WA
- 2026 conforming loan limit: Franklin Parish, LA
- 2026 conforming loan limit: Frederick County, MD
Last updated 2026-10-16. Data only, not financial or tax advice.