Gaines County, Texas has a 2026 one-unit conforming loan limit of $832,750, which is 4.1 times the county's median home value of $200,700, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $74,132 (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) | $200,700 |
| Texas median home value | $283,800 |
| Limit ÷ median home value | 4.15× |
| Median household income | $74,132 |
| Median home value ÷ income | 2.7× |
| Population | 22,232 |
| Median property tax paid (owners) | $3,142 |
| Effective property tax rate (approx.) | 1.57% |
| Owner-occupied homes | 74.6% |
| Home value rank in Texas | 83 of 250 counties |
| Neighbor: Lea County, NM | limit $832,750; median home $184,000 |
| Neighbor: Andrews County, TX | limit $832,750; median home $195,700 |
| Neighbor: Dawson County, TX | limit $832,750; median home $103,400 |
| Neighbor: Martin County, TX | limit $832,750; median home $174,800 |
| Neighbor: Terry County, TX | limit $832,750; median home $105,400 |
| Neighbor: Yoakum County, TX | limit $832,750; median home $182,600 |
Across Texas's 254 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Gaines County's median home value is 29% below the state median of $283,800 (rank 83 of 250). Among its 6 neighboring counties, Andrews County has the highest median home value ($195,700) and Dawson County the lowest ($103,400); all share the same loan limit. Owners pay a median $3,142 a year in property tax, an effective rate of about 1.57% 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.