Zapata County, Texas has a 2026 one-unit conforming loan limit of $832,750, which is 8.6 times the county's median home value of $97,100, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $39,239 (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) | $97,100 |
| Texas median home value | $283,800 |
| Limit ÷ median home value | 8.58× |
| Median household income | $39,239 |
| Median home value ÷ income | 2.5× |
| Population | 13,841 |
| Median property tax paid (owners) | $920 |
| Effective property tax rate (approx.) | 0.95% |
| Owner-occupied homes | 72.0% |
| Home value rank in Texas | 217 of 250 counties |
| Neighbor: Jim Hogg County, TX | limit $832,750; median home $129,400 |
| Neighbor: Starr County, TX | limit $832,750; median home $95,100 |
| Neighbor: Webb County, TX | limit $832,750; median home $189,900 |
Across Texas's 254 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Zapata County's median home value is 66% below the state median of $283,800 (rank 217 of 250). Among its 3 neighboring counties, Webb County has the highest median home value ($189,900) and Starr County the lowest ($95,100); all share the same loan limit. Owners pay a median $920 a year in property tax, an effective rate of about 0.95% 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 2026-10-16. Data only, not financial or tax advice.