Madison County, Texas has a 2026 one-unit conforming loan limit of $832,750, which is 4.7 times the county's median home value of $176,200, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $74,596 (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) | $176,200 |
| Texas median home value | $283,800 |
| Limit ÷ median home value | 4.73× |
| Median household income | $74,596 |
| Median home value ÷ income | 2.4× |
| Population | 13,648 |
| Median property tax paid (owners) | $1,726 |
| Effective property tax rate (approx.) | 0.98% |
| Owner-occupied homes | 75.3% |
| Home value rank in Texas | 107 of 250 counties |
| Neighbor: Brazos County, TX | limit $832,750; median home $296,000 |
| Neighbor: Grimes County, TX | limit $832,750; median home $237,400 |
| Neighbor: Houston County, TX | limit $832,750; median home $164,900 |
| Neighbor: Leon County, TX | limit $832,750; median home $186,400 |
| Neighbor: Robertson County, TX | limit $832,750; median home $185,900 |
| 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. Madison County's median home value is 38% below the state median of $283,800 (rank 107 of 250). Among its 6 neighboring counties, Brazos County has the highest median home value ($296,000) and Houston County the lowest ($164,900); all share the same loan limit. Owners pay a median $1,726 a year in property tax, an effective rate of about 0.98% 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: Madison County, NY
- 2026 conforming loan limit: Madison County, OH
- 2026 conforming loan limit: Madison County, TN
- 2026 conforming loan limit: Madison County, VA
- 2026 conforming loan limit: Madison Parish, LA
- 2026 conforming loan limit: Magoffin County, KY
- 2026 conforming loan limit: Mahaska County, IA
- 2026 conforming loan limit: Mahnomen County, MN
Last updated 2026-10-16. Data only, not financial or tax advice.