Stephens County, Texas has a 2026 one-unit conforming loan limit of $832,750, which is 7.6 times the county's median home value of $110,200, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $58,008 (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) | $110,200 |
| Texas median home value | $283,800 |
| Limit ÷ median home value | 7.56× |
| Median household income | $58,008 |
| Median home value ÷ income | 1.9× |
| Population | 9,351 |
| Median property tax paid (owners) | $1,633 |
| Effective property tax rate (approx.) | 1.48% |
| Owner-occupied homes | 79.2% |
| Home value rank in Texas | 194 of 250 counties |
| Neighbor: Eastland County, TX | limit $832,750; median home $134,800 |
| Neighbor: Palo Pinto County, TX | limit $832,750; median home $198,000 |
| Neighbor: Shackelford County, TX | limit $832,750; median home $174,800 |
| Neighbor: Throckmorton County, TX | limit $832,750; median home $89,500 |
| Neighbor: Young County, TX | limit $832,750; median home $175,800 |
Across Texas's 254 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Stephens County's median home value is 61% below the state median of $283,800 (rank 194 of 250). Among its 5 neighboring counties, Palo Pinto County has the highest median home value ($198,000) and Throckmorton County the lowest ($89,500); all share the same loan limit. Owners pay a median $1,633 a year in property tax, an effective rate of about 1.48% 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: Steele County, ND
- 2026 conforming loan limit: Stephens County, GA
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- 2026 conforming loan limit: Sterling County, TX
- 2026 conforming loan limit: Steuben County, IN
- 2026 conforming loan limit: Steuben County, NY
- 2026 conforming loan limit: Stevens County, KS
Last updated 2026-10-16. Data only, not financial or tax advice.