Lubbock County, Texas has a 2026 one-unit conforming loan limit of $832,750, which is 3.9 times the county's median home value of $214,100, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $64,155 (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) | $214,100 |
| Texas median home value | $283,800 |
| Limit ÷ median home value | 3.89× |
| Median household income | $64,155 |
| Median home value ÷ income | 3.3× |
| Population | 318,884 |
| Median property tax paid (owners) | $3,241 |
| Effective property tax rate (approx.) | 1.51% |
| Owner-occupied homes | 55.5% |
| Home value rank in Texas | 69 of 250 counties |
| Neighbor: Crosby County, TX | limit $832,750; median home $80,900 |
| Neighbor: Floyd County, TX | limit $832,750; median home $89,600 |
| Neighbor: Garza County, TX | limit $832,750; median home $77,800 |
| Neighbor: Hale County, TX | limit $832,750; median home $116,500 |
| Neighbor: Hockley County, TX | limit $832,750; median home $127,000 |
| Neighbor: Lamb County, TX | limit $832,750; median home $82,400 |
| Neighbor: Lynn County, TX | limit $832,750; median home $147,300 |
| Neighbor: Terry County, TX | limit $832,750; median home $105,400 |
Across Texas's 254 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Lubbock County's median home value is 25% below the state median of $283,800 (rank 69 of 250). Among its 8 neighboring counties, Lynn County has the highest median home value ($147,300) and Garza County the lowest ($77,800); all share the same loan limit. Owners pay a median $3,241 a year in property tax, an effective rate of about 1.51% 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
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- 2026 conforming loan limit: Lumpkin County, GA
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Last updated 2026-10-16. Data only, not financial or tax advice.