Garza County, Texas has a 2026 one-unit conforming loan limit of $832,750, which is 10.7 times the county's median home value of $77,800, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $46,314 (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) | $77,800 |
| Texas median home value | $283,800 |
| Limit ÷ median home value | 10.70× |
| Median household income | $46,314 |
| Median home value ÷ income | 1.7× |
| Population | 5,118 |
| Median property tax paid (owners) | $1,220 |
| Effective property tax rate (approx.) | 1.57% |
| Owner-occupied homes | 70.5% |
| Home value rank in Texas | 241 of 250 counties |
| Neighbor: Borden County, TX | limit $832,750; median home $108,900 |
| Neighbor: Crosby County, TX | limit $832,750; median home $80,900 |
| Neighbor: Dickens County, TX | limit $832,750; median home $65,300 |
| Neighbor: Kent County, TX | limit $832,750; median home $122,200 |
| Neighbor: Lubbock County, TX | limit $832,750; median home $214,100 |
| Neighbor: Lynn County, TX | limit $832,750; median home $147,300 |
| Neighbor: Scurry County, TX | limit $832,750; median home $113,800 |
Across Texas's 254 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Garza County's median home value is 73% below the state median of $283,800 (rank 241 of 250). Among its 7 neighboring counties, Lubbock County has the highest median home value ($214,100) and Dickens County the lowest ($65,300); all share the same loan limit. Owners pay a median $1,220 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.
Related
- 2026 conforming loan limit: Garrard County, KY
- 2026 conforming loan limit: Garrett County, MD
- 2026 conforming loan limit: Garvin County, OK
- 2026 conforming loan limit: Gasconade County, MO
- 2026 conforming loan limit: Gaston County, NC
- 2026 conforming loan limit: Gates County, NC
- 2026 conforming loan limit: Geary County, KS
- 2026 conforming loan limit: Geauga County, OH
Last updated 2026-10-16. Data only, not financial or tax advice.