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2026 conforming loan limit: Hays County, TX

Quick answer

Hays County, Texas has a 2026 one-unit conforming loan limit of $832,750, which is 2.1 times the county's median home value of $399,800, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $89,097 (FHFA; Census ACS 2020–2024).

✓ FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024

Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024

ItemValue
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)$399,800
Texas median home value$283,800
Limit ÷ median home value2.08×
Median household income$89,097
Median home value ÷ income4.5×
Population268,638
Median property tax paid (owners)$6,649
Effective property tax rate (approx.)1.66%
Owner-occupied homes64.1%
Home value rank in Texas10 of 250 counties
Neighbor: Blanco County, TXlimit $832,750; median home $483,500
Neighbor: Caldwell County, TXlimit $832,750; median home $240,500
Neighbor: Comal County, TXlimit $832,750; median home $427,200
Neighbor: Guadalupe County, TXlimit $832,750; median home $304,400
Neighbor: Travis County, TXlimit $832,750; median home $523,000

Across Texas's 254 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Hays County's median home value is 41% above the state median of $283,800 (rank 10 of 250). Among its 5 neighboring counties, Travis County has the highest median home value ($523,000) and Caldwell County the lowest ($240,500); all share the same loan limit. Owners pay a median $6,649 a year in property tax, an effective rate of about 1.66% 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.

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