Hemphill County, Texas has a 2026 one-unit conforming loan limit of $832,750, which is 4.0 times the county's median home value of $205,700, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $61,563 (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) | $205,700 |
| Texas median home value | $283,800 |
| Limit ÷ median home value | 4.05× |
| Median household income | $61,563 |
| Median home value ÷ income | 3.3× |
| Population | 3,234 |
| Median property tax paid (owners) | $2,390 |
| Effective property tax rate (approx.) | 1.16% |
| Owner-occupied homes | 71.1% |
| Home value rank in Texas | 77 of 250 counties |
| Neighbor: Ellis County, OK | limit $832,750; median home $119,100 |
| Neighbor: Roger Mills County, OK | limit $832,750; median home $157,800 |
| Neighbor: Gray County, TX | limit $832,750; median home $102,900 |
| Neighbor: Lipscomb County, TX | limit $832,750; median home $124,300 |
| Neighbor: Roberts County, TX | limit $832,750; median home $161,500 |
| Neighbor: Wheeler County, TX | limit $832,750; median home $106,100 |
Across Texas's 254 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Hemphill County's median home value is 28% below the state median of $283,800 (rank 77 of 250). Among its 6 neighboring counties, Roberts County has the highest median home value ($161,500) and Gray County the lowest ($102,900); all share the same loan limit. Owners pay a median $2,390 a year in property tax, an effective rate of about 1.16% 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: Haywood County, NC
- 2026 conforming loan limit: Haywood County, TN
- 2026 conforming loan limit: Heard County, GA
- 2026 conforming loan limit: Hempstead County, AR
- 2026 conforming loan limit: Henderson County, IL
- 2026 conforming loan limit: Henderson County, KY
- 2026 conforming loan limit: Henderson County, NC
- 2026 conforming loan limit: Henderson County, TN
Last updated 2026-10-16. Data only, not financial or tax advice.