Shelby County, Texas has a 2026 one-unit conforming loan limit of $832,750, which is 8.2 times the county's median home value of $101,500, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $49,776 (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) | $101,500 |
| Texas median home value | $283,800 |
| Limit ÷ median home value | 8.20× |
| Median household income | $49,776 |
| Median home value ÷ income | 2.0× |
| Population | 24,155 |
| Median property tax paid (owners) | $1,024 |
| Effective property tax rate (approx.) | 1.01% |
| Owner-occupied homes | 74.0% |
| Home value rank in Texas | 210 of 250 counties |
| Neighbor: De Soto Parish, LA | limit $832,750; median home $154,900 |
| Neighbor: Sabine Parish, LA | limit $832,750; median home $123,100 |
| Neighbor: Nacogdoches County, TX | limit $832,750; median home $169,200 |
| Neighbor: Panola County, TX | limit $832,750; median home $158,100 |
| Neighbor: Rusk County, TX | limit $832,750; median home $171,300 |
| Neighbor: Sabine County, TX | limit $832,750; median home $153,100 |
| Neighbor: San Augustine County, TX | limit $832,750; median home $99,900 |
Across Texas's 254 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Shelby County's median home value is 64% below the state median of $283,800 (rank 210 of 250). Among its 7 neighboring counties, Rusk County has the highest median home value ($171,300) and San Augustine County the lowest ($99,900); all share the same loan limit. Owners pay a median $1,024 a year in property tax, an effective rate of about 1.01% 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: Shelby County, MO
- 2026 conforming loan limit: Shelby County, OH
- 2026 conforming loan limit: Shelby County, TN
- 2026 conforming loan limit: Shenandoah County, VA
- 2026 conforming loan limit: Sherburne County, MN
- 2026 conforming loan limit: Sheridan County, KS
- 2026 conforming loan limit: Sheridan County, MT
- 2026 conforming loan limit: Sheridan County, ND
Last updated 2026-10-16. Data only, not financial or tax advice.