Smith County, Texas has a 2026 one-unit conforming loan limit of $832,750, which is 3.5 times the county's median home value of $240,700, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $74,192 (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) | $240,700 |
| Texas median home value | $283,800 |
| Limit ÷ median home value | 3.46× |
| Median household income | $74,192 |
| Median home value ÷ income | 3.2× |
| Population | 241,740 |
| Median property tax paid (owners) | $2,804 |
| Effective property tax rate (approx.) | 1.16% |
| Owner-occupied homes | 68.8% |
| Home value rank in Texas | 53 of 250 counties |
| Neighbor: Cherokee County, TX | limit $832,750; median home $169,300 |
| Neighbor: Gregg County, TX | limit $832,750; median home $203,400 |
| Neighbor: Henderson County, TX | limit $832,750; median home $211,300 |
| Neighbor: Rusk County, TX | limit $832,750; median home $171,300 |
| Neighbor: Upshur County, TX | limit $832,750; median home $167,800 |
| Neighbor: Van Zandt County, TX | limit $832,750; median home $222,100 |
| Neighbor: Wood County, TX | limit $832,750; median home $216,500 |
Across Texas's 254 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Smith County's median home value is 15% below the state median of $283,800 (rank 53 of 250). Among its 7 neighboring counties, Van Zandt County has the highest median home value ($222,100) and Upshur County the lowest ($167,800); all share the same loan limit. Owners pay a median $2,804 a year in property tax, an effective rate of about 1.16% 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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