Highest FHA limit in Texas
$813,050
In 2026, FHA one-unit limits in Texas range from $541,287 to $813,050 (Glasscock County). 229 of 254 counties use the national floor.
229 of 254counties at the $541,287 floor
All Texas counties
| County | 1 unit | 2 units | 4 units | Conforming |
|---|---|---|---|---|
| Glasscock County | $813,050 | $1,040,850 | $1,563,600 | $832,750 |
| Bastrop County | $571,550 | $731,700 | $1,099,150 | $832,750 |
| Caldwell County | $571,550 | $731,700 | $1,099,150 | $832,750 |
| Hays County | $571,550 | $731,700 | $1,099,150 | $832,750 |
| Travis County | $571,550 | $731,700 | $1,099,150 | $832,750 |
| Williamson County | $571,550 | $731,700 | $1,099,150 | $832,750 |
| Collin County | $563,500 | $721,400 | $1,083,650 | $832,750 |
| Dallas County | $563,500 | $721,400 | $1,083,650 | $832,750 |
| Denton County | $563,500 | $721,400 | $1,083,650 | $832,750 |
| Ellis County | $563,500 | $721,400 | $1,083,650 | $832,750 |
| Hunt County | $563,500 | $721,400 | $1,083,650 | $832,750 |
| Johnson County | $563,500 | $721,400 | $1,083,650 | $832,750 |
| Kaufman County | $563,500 | $721,400 | $1,083,650 | $832,750 |
| Parker County | $563,500 | $721,400 | $1,083,650 | $832,750 |
| Rockwall County | $563,500 | $721,400 | $1,083,650 | $832,750 |
| Tarrant County | $563,500 | $721,400 | $1,083,650 | $832,750 |
| Wise County | $563,500 | $721,400 | $1,083,650 | $832,750 |
| Atascosa County | $557,750 | $714,000 | $1,072,600 | $832,750 |
| Bandera County | $557,750 | $714,000 | $1,072,600 | $832,750 |
| Bexar County | $557,750 | $714,000 | $1,072,600 | $832,750 |
| Comal County | $557,750 | $714,000 | $1,072,600 | $832,750 |
| Guadalupe County | $557,750 | $714,000 | $1,072,600 | $832,750 |
| Kendall County | $557,750 | $714,000 | $1,072,600 | $832,750 |
| Medina County | $557,750 | $714,000 | $1,072,600 | $832,750 |
| Wilson County | $557,750 | $714,000 | $1,072,600 | $832,750 |
| Anderson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Andrews County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Angelina County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Aransas County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Archer County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Armstrong County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Austin County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Bailey County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Baylor County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Bee County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Bell County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Blanco County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Borden County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Bosque County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Bowie County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Brazoria County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Brazos County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Brewster County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Briscoe County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Brooks County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Brown County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Burleson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Burnet County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Calhoun County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Callahan County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Cameron County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Camp County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Carson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Cass County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Castro County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Chambers County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Cherokee County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Childress County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Clay County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Cochran County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Coke County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Coleman County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Collingsworth County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Colorado County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Comanche County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Concho County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Cooke County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Coryell County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Cottle County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Crane County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Crockett County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Crosby County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Culberson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Dallam County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Dawson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| DeWitt County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Deaf Smith County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Delta County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Dickens County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Dimmit County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Donley County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Duval County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Eastland County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Ector County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Edwards County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| El Paso County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Erath County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Falls County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Fannin County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Fayette County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Fisher County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Floyd County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Foard County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Fort Bend County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Franklin County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Freestone County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Frio County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Gaines County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Galveston County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Garza County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Gillespie County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Goliad County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Gonzales County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Gray County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Grayson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Gregg County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Grimes County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hale County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hall County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hamilton County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hansford County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hardeman County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hardin County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Harris County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Harrison County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hartley County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Haskell County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hemphill County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Henderson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hidalgo County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hill County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hockley County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hood County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hopkins County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Houston County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Howard County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hudspeth County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hutchinson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Irion County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Jack County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Jackson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Jasper County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Jeff Davis County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Jefferson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Jim Hogg County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Jim Wells County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Jones County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Karnes County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Kenedy County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Kent County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Kerr County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Kimble County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| King County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Kinney County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Kleberg County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Knox County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| La Salle County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lamar County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lamb County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lampasas County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lavaca County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lee County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Leon County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Liberty County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Limestone County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lipscomb County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Live Oak County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Llano County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Loving County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lubbock County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lynn County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Madison County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Marion County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Martin County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Mason County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Matagorda County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Maverick County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| McCulloch County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| McLennan County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| McMullen County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Menard County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Midland County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Milam County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Mills County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Mitchell County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Montague County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Montgomery County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Moore County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Morris County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Motley County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Nacogdoches County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Navarro County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Newton County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Nolan County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Nueces County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Ochiltree County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Oldham County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Orange County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Palo Pinto County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Panola County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Parmer County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Pecos County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Polk County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Potter County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Presidio County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Rains County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Randall County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Reagan County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Real County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Red River County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Reeves County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Refugio County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Roberts County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Robertson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Runnels County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Rusk County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Sabine County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| San Augustine County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| San Jacinto County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| San Patricio County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| San Saba County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Schleicher County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Scurry County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Shackelford County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Shelby County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Sherman County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Smith County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Somervell County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Starr County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Stephens County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Sterling County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Stonewall County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Sutton County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Swisher County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Taylor County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Terrell County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Terry County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Throckmorton County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Titus County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Tom Green County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Trinity County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Tyler County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Upshur County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Upton County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Uvalde County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Val Verde County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Van Zandt County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Victoria County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Walker County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Waller County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Ward County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Washington County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Webb County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Wharton County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Wheeler County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Wichita County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Wilbarger County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Willacy County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Winkler County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Wood County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Yoakum County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Young County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Zapata County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Zavala County | $541,287 | $693,050 | $1,041,125 | $832,750 |
Sources: HUD FHA forward mortgage limits CY2026 (CHUMS file, case numbers assigned on or after Jan 1, 2026); FHFA 2026 conforming loan limits; Freddie Mac PMMS 30-year average 7.40% (week of 2026-10-15) for payment examples, which cover principal and interest only, before FHA mortgage insurance, taxes and insurance. Not lending advice.
Frequently asked questions
What is the FHA loan limit in Texas for 2026?
In 2026, FHA one-unit limits in Texas range from $541,287 to $813,050 (Glasscock County). 229 of 254 counties use the national floor.
What is the FHA floor for 2026?
$541,287 for a one-unit home. The high-cost ceiling is $1,249,125.