Houston County, Texas has a 2026 one-unit conforming loan limit of $832,750, which is 5.1 times the county's median home value of $164,900, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $56,531 (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) | $164,900 |
| Texas median home value | $283,800 |
| Limit ÷ median home value | 5.05× |
| Median household income | $56,531 |
| Median home value ÷ income | 2.9× |
| Population | 22,051 |
| Median property tax paid (owners) | $1,387 |
| Effective property tax rate (approx.) | 0.84% |
| Owner-occupied homes | 70.6% |
| Home value rank in Texas | 131 of 250 counties |
| Neighbor: Anderson County, TX | limit $832,750; median home $185,300 |
| Neighbor: Angelina County, TX | limit $832,750; median home $163,500 |
| Neighbor: Cherokee County, TX | limit $832,750; median home $169,300 |
| Neighbor: Leon County, TX | limit $832,750; median home $186,400 |
| Neighbor: Madison County, TX | limit $832,750; median home $176,200 |
| Neighbor: Trinity County, TX | limit $832,750; median home $119,500 |
| Neighbor: Walker County, TX | limit $832,750; median home $226,900 |
Across Texas's 254 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Houston County's median home value is 42% below the state median of $283,800 (rank 131 of 250). Among its 7 neighboring counties, Walker County has the highest median home value ($226,900) and Trinity County the lowest ($119,500); all share the same loan limit. Owners pay a median $1,387 a year in property tax, an effective rate of about 0.84% 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: Houston County, GA
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- 2026 conforming loan limit: Houston County, TN
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- 2026 conforming loan limit: Howard County, MO
Last updated 2026-10-16. Data only, not financial or tax advice.