Harris County, Texas has a 2026 one-unit conforming loan limit of $832,750, which is 3.0 times the county's median home value of $276,600, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $74,983 (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) | $276,600 |
| Texas median home value | $283,800 |
| Limit ÷ median home value | 3.01× |
| Median household income | $74,983 |
| Median home value ÷ income | 3.7× |
| Population | 4,838,303 |
| Median property tax paid (owners) | $4,489 |
| Effective property tax rate (approx.) | 1.62% |
| Owner-occupied homes | 54.7% |
| Home value rank in Texas | 39 of 250 counties |
| Neighbor: Brazoria County, TX | limit $832,750; median home $301,600 |
| Neighbor: Chambers County, TX | limit $832,750; median home $329,500 |
| Neighbor: Fort Bend County, TX | limit $832,750; median home $374,500 |
| Neighbor: Galveston County, TX | limit $832,750; median home $314,600 |
| Neighbor: Liberty County, TX | limit $832,750; median home $181,700 |
| Neighbor: Montgomery County, TX | limit $832,750; median home $346,200 |
| Neighbor: Waller County, TX | limit $832,750; median home $318,700 |
Across Texas's 254 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Harris County's median home value is 3% below the state median of $283,800 (rank 39 of 250). Among its 7 neighboring counties, Fort Bend County has the highest median home value ($374,500) and Liberty County the lowest ($181,700); all share the same loan limit. Owners pay a median $4,489 a year in property tax, an effective rate of about 1.62% 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: Harper County, KS
- 2026 conforming loan limit: Harper County, OK
- 2026 conforming loan limit: Harris County, GA
- 2026 conforming loan limit: Harrison County, IA
- 2026 conforming loan limit: Harrison County, IN
- 2026 conforming loan limit: Harrison County, KY
- 2026 conforming loan limit: Harrison County, MO
- 2026 conforming loan limit: Harrison County, MS
Last updated 2026-10-16. Data only, not financial or tax advice.