FHA Loan Limits and USDA Eligibility in Texas
2026 FHA one-unit limits in Texas range from $541,287 to $813,050. About 70% of ZIP centers look USDA-eligible. USDA 502 Guaranteed 1–4 person income limits range from $122,800 to $153,550. Enter a ZIP on the maps. County FHA caps are listed below.
2026 FHA Loan Limits Map for Texas
Texas one-unit limits: —
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Standard Floor: $541,287Mid-Tier: $541,288–$750,000High-Cost: $750,001–$1,000,000Elite Zone: $1,000,001+
USDA Property Eligibility and Income Limits Map for Texas
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Texas FHA and USDA Figures by County
FHA one-unit caps are county. USDA 1–4 person guaranteed income can split a county; when it does, both caps are listed. This table does not mark a county as USDA eligible or ineligible.
| County | FHA one-unit loan limit | USDA 1–4 person moderate income |
|---|---|---|
| Anderson County | $541,287 | $122,800 |
| Andrews County | $541,287 | $122,800 |
| Angelina County | $541,287 | $122,800 |
| Aransas County | $541,287 | $122,800 |
| Archer County | $541,287 | $122,800 |
| Armstrong County | $541,287 | $122,800 |
| Atascosa County | $557,750 | $122,800 |
| Austin County | $541,287 | $122,800 |
| Bailey County | $541,287 | $122,800 |
| Bandera County | $557,750 | $122,800 |
| Bastrop County | $571,550 | $153,550 |
| Baylor County | $541,287 | $122,800 |
| Bee County | $541,287 | $122,800 |
| Bell County | $541,287 | $122,800 |
| Bexar County | $557,750 | $122,800 |
| Blanco County | $541,287 | $122,800 |
| Borden County | $541,287 | $124,200 |
| Bosque County | $541,287 | $122,800 |
| Bowie County | $541,287 | $122,800 |
| Brazoria County | $541,287 | $144,900 |
| Brazos County | $541,287 | $122,800 |
| Brewster County | $541,287 | $122,800 |
| Briscoe County | $541,287 | $122,800 |
| Brooks County | $541,287 | $122,800 |
| Brown County | $541,287 | $122,800 |
| Burleson County | $541,287 | $122,800 |
| Burnet County | $541,287 | $122,800 |
| Caldwell County | $571,550 | $153,550 |
| Calhoun County | $541,287 | $122,800 |
| Callahan County | $541,287 | $122,800 |
| Cameron County | $541,287 | $122,800 |
| Camp County | $541,287 | $122,800 |
| Carson County | $541,287 | $122,800 |
| Cass County | $541,287 | $122,800 |
| Castro County | $541,287 | $122,800 |
| Chambers County | $541,287 | $122,800 |
| Cherokee County | $541,287 | $122,800 |
| Childress County | $541,287 | $122,800 |
| Clay County | $541,287 | $122,800 |
| Cochran County | $541,287 | $122,800 |
| Coke County | $541,287 | $122,800 |
| Coleman County | $541,287 | $122,800 |
| Collin County | $563,500 | $139,300 |
| Collingsworth County | $541,287 | $122,800 |
| Colorado County | $541,287 | $122,800 |
| Comal County | $557,750 | $122,800 |
| Comanche County | $541,287 | $122,800 |
| Concho County | $541,287 | $122,800 |
| Cooke County | $541,287 | $122,800 |
| Coryell County | $541,287 | $122,800 |
| Cottle County | $541,287 | $122,800 |
| Crane County | $541,287 | $122,800 |
| Crockett County | $541,287 | $122,800 |
| Crosby County | $541,287 | $122,800 |
| Culberson County | $541,287 | $122,800 |
| Dallam County | $541,287 | $122,800 |
| Dallas County | $563,500 | $139,300 |
| Dawson County | $541,287 | $122,800 |
| Deaf Smith County | $541,287 | $122,800 |
| Delta County | $541,287 | $122,800 |
| Denton County | $563,500 | $139,300 |
| DeWitt County | $541,287 | $122,800 |
| Dickens County | $541,287 | $122,800 |
| Dimmit County | $541,287 | $122,800 |
| Donley County | $541,287 | $122,800 |
| Duval County | $541,287 | $122,800 |
| Eastland County | $541,287 | $122,800 |
| Ector County | $541,287 | $122,800 |
| Edwards County | $541,287 | $122,800 |
| El Paso County | $541,287 | $122,800 |
| Ellis County | $563,500 | $139,300 |
| Erath County | $541,287 | $122,800 |
| Falls County | $541,287 | $122,800 |
| Fannin County | $541,287 | $122,800 |
| Fayette County | $541,287 | $122,800 |
| Fisher County | $541,287 | $122,800 |
| Floyd County | $541,287 | $122,800 |
| Foard County | $541,287 | $122,800 |
| Fort Bend County | $541,287 | $122,800 |
| Franklin County | $541,287 | $122,800 |
| Freestone County | $541,287 | $122,800 |
| Frio County | $541,287 | $122,800 |
| Gaines County | $541,287 | $122,800 |
| Galveston County | $541,287 | $122,800 |
| Garza County | $541,287 | $122,800 |
| Gillespie County | $541,287 | $125,700 |
| Glasscock County | $813,050 | $139,850 |
| Goliad County | $541,287 | $122,800 |
| Gonzales County | $541,287 | $122,800 |
| Gray County | $541,287 | $122,800 |
| Grayson County | $541,287 | $122,800 |
| Gregg County | $541,287 | $122,800 |
| Grimes County | $541,287 | $122,800 |
| Guadalupe County | $557,750 | $122,800 |
| Hale County | $541,287 | $122,800 |
| Hall County | $541,287 | $122,800 |
| Hamilton County | $541,287 | $122,800 |
| Hansford County | $541,287 | $122,800 |
| Hardeman County | $541,287 | $122,800 |
| Hardin County | $541,287 | $122,800 |
| Harris County | $541,287 | $122,800 |
| Harrison County | $541,287 | $122,800 |
| Hartley County | $541,287 | $122,800 |
| Haskell County | $541,287 | $122,800 |
| Hays County | $571,550 | $153,550 |
| Hemphill County | $541,287 | $131,550 |
| Henderson County | $541,287 | $122,800 |
| Hidalgo County | $541,287 | $122,800 |
| Hill County | $541,287 | $122,800 |
| Hockley County | $541,287 | $122,800 |
| Hood County | $541,287 | $122,800 |
| Hopkins County | $541,287 | $122,800 |
| Houston County | $541,287 | $122,800 |
| Howard County | $541,287 | $122,800 |
| Hudspeth County | $541,287 | $122,800 |
| Hunt County | $563,500 | $139,300 |
| Hutchinson County | $541,287 | $122,800 |
| Irion County | $541,287 | $122,800 |
| Jack County | $541,287 | $122,800 |
| Jackson County | $541,287 | $122,800 |
| Jasper County | $541,287 | $122,800 |
| Jeff Davis County | $541,287 | $122,800 |
| Jefferson County | $541,287 | $122,800 |
| Jim Hogg County | $541,287 | $122,800 |
| Jim Wells County | $541,287 | $122,800 |
| Johnson County | $563,500 | $126,850 |
| Jones County | $541,287 | $122,800 |
| Karnes County | $541,287 | $122,800 |
| Kaufman County | $563,500 | $139,300 |
| Kendall County | $557,750 | $153,550 |
| Kenedy County | $541,287 | $122,800 |
| Kent County | $541,287 | $122,800 |
| Kerr County | $541,287 | $122,800 |
| Kimble County | $541,287 | $122,800 |
| King County | $541,287 | $122,800 |
| Kinney County | $541,287 | $122,800 |
| Kleberg County | $541,287 | $122,800 |
| Knox County | $541,287 | $122,800 |
| La Salle County | $541,287 | $122,800 |
| Lamar County | $541,287 | $122,800 |
| Lamb County | $541,287 | $122,800 |
| Lampasas County | $541,287 | $122,800 |
| Lavaca County | $541,287 | $122,800 |
| Lee County | $541,287 | $122,800 |
| Leon County | $541,287 | $122,800 |
| Liberty County | $541,287 | $122,800 |
| Limestone County | $541,287 | $122,800 |
| Lipscomb County | $541,287 | $122,800 |
| Live Oak County | $541,287 | $122,800 |
| Llano County | $541,287 | $122,800 |
| Loving County | $541,287 | $122,800 |
| Lubbock County | $541,287 | $122,800 |
| Lynn County | $541,287 | $122,800 |
| Madison County | $541,287 | $122,800 |
| Marion County | $541,287 | $122,800 |
| Martin County | $541,287 | $122,800 |
| Mason County | $541,287 | $122,800 |
| Matagorda County | $541,287 | $122,800 |
| Maverick County | $541,287 | $122,800 |
| McCulloch County | $541,287 | $122,800 |
| McLennan County | $541,287 | $122,800 |
| McMullen County | $541,287 | $122,800 |
| Medina County | $557,750 | $122,800 |
| Menard County | $541,287 | $122,800 |
| Midland County | $541,287 | $126,950 |
| Milam County | $541,287 | $122,800 |
| Mills County | $541,287 | $122,800 |
| Mitchell County | $541,287 | $122,800 |
| Montague County | $541,287 | $122,800 |
| Montgomery County | $541,287 | $122,800 |
| Moore County | $541,287 | $122,800 |
| Morris County | $541,287 | $122,800 |
| Motley County | $541,287 | $122,800 |
| Nacogdoches County | $541,287 | $122,800 |
| Navarro County | $541,287 | $122,800 |
| Newton County | $541,287 | $122,800 |
| Nolan County | $541,287 | $122,800 |
| Nueces County | $541,287 | $122,800 |
| Ochiltree County | $541,287 | $122,800 |
| Oldham County | $541,287 | $122,800 |
| Orange County | $541,287 | $122,800 |
| Palo Pinto County | $541,287 | $122,800 |
| Panola County | $541,287 | $122,800 |
| Parker County | $563,500 | $126,850 |
| Parmer County | $541,287 | $122,800 |
| Pecos County | $541,287 | $122,800 |
| Polk County | $541,287 | $122,800 |
| Potter County | $541,287 | $122,800 |
| Presidio County | $541,287 | $122,800 |
| Rains County | $541,287 | $122,800 |
| Randall County | $541,287 | $122,800 |
| Reagan County | $541,287 | $122,800 |
| Real County | $541,287 | $122,800 |
| Red River County | $541,287 | $122,800 |
| Reeves County | $541,287 | $122,800 |
| Refugio County | $541,287 | $122,800 |
| Roberts County | $541,287 | $122,800 |
| Robertson County | $541,287 | $122,800 |
| Rockwall County | $563,500 | $139,300 |
| Runnels County | $541,287 | $122,800 |
| Rusk County | $541,287 | $122,800 |
| Sabine County | $541,287 | $122,800 |
| San Augustine County | $541,287 | $122,800 |
| San Jacinto County | $541,287 | $122,800 |
| San Patricio County | $541,287 | $122,800 |
| San Saba County | $541,287 | $122,800 |
| Schleicher County | $541,287 | $122,800 |
| Scurry County | $541,287 | $122,800 |
| Shackelford County | $541,287 | $122,800 |
| Shelby County | $541,287 | $122,800 |
| Sherman County | $541,287 | $122,800 |
| Smith County | $541,287 | $122,800 |
| Somervell County | $541,287 | $122,800 |
| Starr County | $541,287 | $122,800 |
| Stephens County | $541,287 | $122,800 |
| Sterling County | $541,287 | $122,800 |
| Stonewall County | $541,287 | $122,800 |
| Sutton County | $541,287 | $122,800 |
| Swisher County | $541,287 | $122,800 |
| Tarrant County | $563,500 | $126,850 |
| Taylor County | $541,287 | $122,800 |
| Terrell County | $541,287 | $122,800 |
| Terry County | $541,287 | $122,800 |
| Throckmorton County | $541,287 | $122,800 |
| Titus County | $541,287 | $122,800 |
| Tom Green County | $541,287 | $122,800 |
| Travis County | $571,550 | $153,550 |
| Trinity County | $541,287 | $122,800 |
| Tyler County | $541,287 | $122,800 |
| Upshur County | $541,287 | $122,800 |
| Upton County | $541,287 | $122,800 |
| Uvalde County | $541,287 | $122,800 |
| Val Verde County | $541,287 | $122,800 |
| Van Zandt County | $541,287 | $122,800 |
| Victoria County | $541,287 | $122,800 |
| Walker County | $541,287 | $122,800 |
| Waller County | $541,287 | $122,800 |
| Ward County | $541,287 | $122,800 |
| Washington County | $541,287 | $122,800 |
| Webb County | $541,287 | $122,800 |
| Wharton County | $541,287 | $122,800 |
| Wheeler County | $541,287 | $122,800 |
| Wichita County | $541,287 | $122,800 |
| Wilbarger County | $541,287 | $122,800 |
| Willacy County | $541,287 | $122,800 |
| Williamson County | $571,550 | $153,550 |
| Wilson County | $557,750 | $122,800 |
| Winkler County | $541,287 | $122,800 |
| Wise County | $563,500 | $129,150 |
| Wood County | $541,287 | $122,800 |
| Yoakum County | $541,287 | $122,800 |
| Young County | $541,287 | $122,800 |
| Zapata County | $541,287 | $122,800 |
| Zavala County | $541,287 | $122,800 |
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