Montgomery County, Texas has a 2026 one-unit conforming loan limit of $832,750, which is 2.4 times the county's median home value of $346,200, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $97,701 (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) | $346,200 |
| Texas median home value | $283,800 |
| Limit ÷ median home value | 2.41× |
| Median household income | $97,701 |
| Median home value ÷ income | 3.5× |
| Population | 684,432 |
| Median property tax paid (owners) | $5,268 |
| Effective property tax rate (approx.) | 1.52% |
| Owner-occupied homes | 71.8% |
| Home value rank in Texas | 15 of 250 counties |
| Neighbor: Grimes County, TX | limit $832,750; median home $237,400 |
| Neighbor: Harris County, TX | limit $832,750; median home $276,600 |
| Neighbor: Liberty County, TX | limit $832,750; median home $181,700 |
| Neighbor: San Jacinto County, TX | limit $832,750; median home $209,300 |
| Neighbor: Walker County, TX | limit $832,750; median home $226,900 |
| Neighbor: Waller County, TX | limit $832,750; median home $318,700 |
Across Texas's 254 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Montgomery County's median home value is 22% above the state median of $283,800 (rank 15 of 250). Among its 6 neighboring counties, Waller County has the highest median home value ($318,700) and Liberty County the lowest ($181,700); all share the same loan limit. Owners pay a median $5,268 a year in property tax, an effective rate of about 1.52% 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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Last updated Oct 16, 2026, 10:42 PM ET. Data only, not financial or tax advice.
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