Freestone County, Texas has a 2026 one-unit conforming loan limit of $832,750, which is 5.0 times the county's median home value of $168,000, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $59,960 (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) | $168,000 |
| Texas median home value | $283,800 |
| Limit ÷ median home value | 4.96× |
| Median household income | $59,960 |
| Median home value ÷ income | 2.8× |
| Population | 20,049 |
| Median property tax paid (owners) | $1,580 |
| Effective property tax rate (approx.) | 0.94% |
| Owner-occupied homes | 75.4% |
| Home value rank in Texas | 128 of 250 counties |
| Neighbor: Anderson County, TX | limit $832,750; median home $185,300 |
| Neighbor: Henderson County, TX | limit $832,750; median home $211,300 |
| Neighbor: Leon County, TX | limit $832,750; median home $186,400 |
| Neighbor: Limestone County, TX | limit $832,750; median home $164,200 |
| Neighbor: Navarro County, TX | limit $832,750; median home $172,600 |
Across Texas's 254 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Freestone County's median home value is 41% below the state median of $283,800 (rank 128 of 250). Among its 5 neighboring counties, Henderson County has the highest median home value ($211,300) and Limestone County the lowest ($164,200); all share the same loan limit. Owners pay a median $1,580 a year in property tax, an effective rate of about 0.94% 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.