Hardeman County, Texas has a 2026 one-unit conforming loan limit of $832,750, which is 10.2 times the county's median home value of $81,900, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $63,333 (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) | $81,900 |
| Texas median home value | $283,800 |
| Limit ÷ median home value | 10.17× |
| Median household income | $63,333 |
| Median home value ÷ income | 1.3× |
| Population | 3,501 |
| Median property tax paid (owners) | $848 |
| Effective property tax rate (approx.) | 1.04% |
| Owner-occupied homes | 73.9% |
| Home value rank in Texas | 236 of 250 counties |
| Neighbor: Harmon County, OK | limit $832,750; median home $79,700 |
| Neighbor: Jackson County, OK | limit $832,750; median home $158,400 |
| Neighbor: Childress County, TX | limit $832,750; median home $125,400 |
| Neighbor: Cottle County, TX | limit $832,750; median home $59,300 |
| Neighbor: Foard County, TX | limit $832,750; median home $70,700 |
| Neighbor: Wilbarger County, TX | limit $832,750; median home $89,400 |
Across Texas's 254 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Hardeman County's median home value is 71% below the state median of $283,800 (rank 236 of 250). Among its 6 neighboring counties, Jackson County has the highest median home value ($158,400) and Cottle County the lowest ($59,300); all share the same loan limit. Owners pay a median $848 a year in property tax, an effective rate of about 1.04% 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: Haralson County, GA
- 2026 conforming loan limit: Hardee County, FL
- 2026 conforming loan limit: Hardeman County, TN
- 2026 conforming loan limit: Hardin County, IA
- 2026 conforming loan limit: Hardin County, IL
- 2026 conforming loan limit: Hardin County, KY
- 2026 conforming loan limit: Hardin County, OH
- 2026 conforming loan limit: Hardin County, TN
Last updated 2026-10-16. Data only, not financial or tax advice.