Wharton County, Texas has a 2026 one-unit conforming loan limit of $832,750, which is 4.4 times the county's median home value of $189,900, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $66,924 (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) | $189,900 |
| Texas median home value | $283,800 |
| Limit ÷ median home value | 4.39× |
| Median household income | $66,924 |
| Median home value ÷ income | 2.8× |
| Population | 41,794 |
| Median property tax paid (owners) | $2,881 |
| Effective property tax rate (approx.) | 1.52% |
| Owner-occupied homes | 72.3% |
| Home value rank in Texas | 95 of 250 counties |
| Neighbor: Austin County, TX | limit $832,750; median home $296,900 |
| Neighbor: Brazoria County, TX | limit $832,750; median home $301,600 |
| Neighbor: Colorado County, TX | limit $832,750; median home $209,800 |
| Neighbor: Fort Bend County, TX | limit $832,750; median home $374,500 |
| Neighbor: Jackson County, TX | limit $832,750; median home $203,900 |
| Neighbor: Matagorda County, TX | limit $832,750; median home $172,900 |
Across Texas's 254 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Wharton County's median home value is 33% below the state median of $283,800 (rank 95 of 250). Among its 6 neighboring counties, Fort Bend County has the highest median home value ($374,500) and Matagorda County the lowest ($172,900); all share the same loan limit. Owners pay a median $2,881 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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- 2026 conforming loan limit: Wexford County, MI
- 2026 conforming loan limit: Whatcom County, WA
- 2026 conforming loan limit: Wheatland County, MT
- 2026 conforming loan limit: Wheeler County, GA
- 2026 conforming loan limit: Wheeler County, NE
- 2026 conforming loan limit: Wheeler County, OR
Last updated 2026-10-16. Data only, not financial or tax advice.