FHA loan limits for Texas will go up in 2017, in response to rising home prices. The table below shows 2017 FHA loan limits for all counties in Texas.
At a glance: For most counties across the state, the FHA loan limit for a single-family home is $275,665. This is the “floor” or baseline used for low-cost areas across the country. Some counties in Texas will have higher limits as a result of having higher median home prices. For instance, counties within the Dallas-Forth Worth metro area have a single-family FHA loan limit of $362,250, the highest in the state. The Austin metro area also has elevated limits to account for higher home prices.
2017 FHA Loan Limits for All Texas Counties
The table below is based on information provided by the Department of Housing and Urban Development (HUD). The Texas FHA loan limits shown below will apply to purchase mortgage loans with a case number assigned on or after January 1, 2017, and will remain in effect through the end of the year.
County | 1-Family | 2-Family | 3-Family | 4-Family |
---|---|---|---|---|
ANDERSON | $275,665 | $352,950 | $426,625 | $530,150 |
ANDREWS | $275,665 | $352,950 | $426,625 | $530,150 |
ANGELINA | $275,665 | $352,950 | $426,625 | $530,150 |
ARANSAS | $275,665 | $352,950 | $426,625 | $530,150 |
ARCHER | $275,665 | $352,950 | $426,625 | $530,150 |
ARMSTRONG | $275,665 | $352,950 | $426,625 | $530,150 |
ATASCOSA | $327,750 | $419,550 | $507,150 | $630,300 |
AUSTIN | $331,200 | $424,000 | $512,500 | $636,900 |
BAILEY | $275,665 | $352,950 | $426,625 | $530,150 |
BANDERA | $327,750 | $419,550 | $507,150 | $630,300 |
BASTROP | $361,100 | $462,250 | $558,750 | $694,400 |
BAYLOR | $275,665 | $352,950 | $426,625 | $530,150 |
BEE | $275,665 | $352,950 | $426,625 | $530,150 |
BELL | $275,665 | $352,950 | $426,625 | $530,150 |
BEXAR | $327,750 | $419,550 | $507,150 | $630,300 |
BLANCO | $275,665 | $352,950 | $426,625 | $530,150 |
BORDEN | $275,665 | $352,950 | $426,625 | $530,150 |
BOSQUE | $275,665 | $352,950 | $426,625 | $530,150 |
BOWIE | $275,665 | $352,950 | $426,625 | $530,150 |
BRAZORIA | $331,200 | $424,000 | $512,500 | $636,900 |
BRAZOS | $275,665 | $352,950 | $426,625 | $530,150 |
BREWSTER | $275,665 | $352,950 | $426,625 | $530,150 |
BRISCOE | $275,665 | $352,950 | $426,625 | $530,150 |
BROOKS | $275,665 | $352,950 | $426,625 | $530,150 |
BROWN | $275,665 | $352,950 | $426,625 | $530,150 |
BURLESON | $275,665 | $352,950 | $426,625 | $530,150 |
BURNET | $275,665 | $352,950 | $426,625 | $530,150 |
CALDWELL | $361,100 | $462,250 | $558,750 | $694,400 |
CALHOUN | $275,665 | $352,950 | $426,625 | $530,150 |
CALLAHAN | $275,665 | $352,950 | $426,625 | $530,150 |
CAMERON | $275,665 | $352,950 | $426,625 | $530,150 |
CAMP | $275,665 | $352,950 | $426,625 | $530,150 |
CARSON | $275,665 | $352,950 | $426,625 | $530,150 |
CASS | $275,665 | $352,950 | $426,625 | $530,150 |
CASTRO | $275,665 | $352,950 | $426,625 | $530,150 |
CHAMBERS | $331,200 | $424,000 | $512,500 | $636,900 |
CHEROKEE | $275,665 | $352,950 | $426,625 | $530,150 |
CHILDRESS | $275,665 | $352,950 | $426,625 | $530,150 |
CLAY | $275,665 | $352,950 | $426,625 | $530,150 |
COCHRAN | $275,665 | $352,950 | $426,625 | $530,150 |
COKE | $275,665 | $352,950 | $426,625 | $530,150 |
COLEMAN | $275,665 | $352,950 | $426,625 | $530,150 |
COLLIN | $362,250 | $463,750 | $560,550 | $696,650 |
COLLINGSWORTH | $275,665 | $352,950 | $426,625 | $530,150 |
COLORADO | $275,665 | $352,950 | $426,625 | $530,150 |
COMAL | $327,750 | $419,550 | $507,150 | $630,300 |
COMANCHE | $275,665 | $352,950 | $426,625 | $530,150 |
CONCHO | $275,665 | $352,950 | $426,625 | $530,150 |
COOKE | $275,665 | $352,950 | $426,625 | $530,150 |
CORYELL | $275,665 | $352,950 | $426,625 | $530,150 |
COTTLE | $275,665 | $352,950 | $426,625 | $530,150 |
CRANE | $275,665 | $352,950 | $426,625 | $530,150 |
CROCKETT | $275,665 | $352,950 | $426,625 | $530,150 |
CROSBY | $275,665 | $352,950 | $426,625 | $530,150 |
CULBERSON | $275,665 | $352,950 | $426,625 | $530,150 |
DALLAM | $275,665 | $352,950 | $426,625 | $530,150 |
DALLAS | $362,250 | $463,750 | $560,550 | $696,650 |
DAWSON | $275,665 | $352,950 | $426,625 | $530,150 |
DEAF SMITH | $275,665 | $352,950 | $426,625 | $530,150 |
DELTA | $275,665 | $352,950 | $426,625 | $530,150 |
DENTON | $362,250 | $463,750 | $560,550 | $696,650 |
DEWITT | $275,665 | $352,950 | $426,625 | $530,150 |
DICKENS | $275,665 | $352,950 | $426,625 | $530,150 |
DIMMIT | $275,665 | $352,950 | $426,625 | $530,150 |
DONLEY | $275,665 | $352,950 | $426,625 | $530,150 |
DUVAL | $275,665 | $352,950 | $426,625 | $530,150 |
EASTLAND | $275,665 | $352,950 | $426,625 | $530,150 |
ECTOR | $275,665 | $352,950 | $426,625 | $530,150 |
EDWARDS | $275,665 | $352,950 | $426,625 | $530,150 |
EL PASO | $275,665 | $352,950 | $426,625 | $530,150 |
ELLIS | $362,250 | $463,750 | $560,550 | $696,650 |
ERATH | $275,665 | $352,950 | $426,625 | $530,150 |
FALLS | $275,665 | $352,950 | $426,625 | $530,150 |
FANNIN | $275,665 | $352,950 | $426,625 | $530,150 |
FAYETTE | $275,665 | $352,950 | $426,625 | $530,150 |
FISHER | $275,665 | $352,950 | $426,625 | $530,150 |
FLOYD | $275,665 | $352,950 | $426,625 | $530,150 |
FOARD | $275,665 | $352,950 | $426,625 | $530,150 |
FORT BEND | $331,200 | $424,000 | $512,500 | $636,900 |
FRANKLIN | $275,665 | $352,950 | $426,625 | $530,150 |
FREESTONE | $275,665 | $352,950 | $426,625 | $530,150 |
FRIO | $275,665 | $352,950 | $426,625 | $530,150 |
GAINES | $275,665 | $352,950 | $426,625 | $530,150 |
GALVESTON | $331,200 | $424,000 | $512,500 | $636,900 |
GARZA | $275,665 | $352,950 | $426,625 | $530,150 |
GILLESPIE | $281,750 | $360,700 | $436,000 | $541,800 |
GLASSCOCK | $275,665 | $352,950 | $426,625 | $530,150 |
GOLIAD | $275,665 | $352,950 | $426,625 | $530,150 |
GONZALES | $275,665 | $352,950 | $426,625 | $530,150 |
GRAY | $275,665 | $352,950 | $426,625 | $530,150 |
GRAYSON | $275,665 | $352,950 | $426,625 | $530,150 |
GREGG | $275,665 | $352,950 | $426,625 | $530,150 |
GRIMES | $275,665 | $352,950 | $426,625 | $530,150 |
GUADALUPE | $327,750 | $419,550 | $507,150 | $630,300 |
HALE | $275,665 | $352,950 | $426,625 | $530,150 |
HALL | $275,665 | $352,950 | $426,625 | $530,150 |
HAMILTON | $275,665 | $352,950 | $426,625 | $530,150 |
HANSFORD | $275,665 | $352,950 | $426,625 | $530,150 |
HARDEMAN | $275,665 | $352,950 | $426,625 | $530,150 |
HARDIN | $275,665 | $352,950 | $426,625 | $530,150 |
HARRIS | $331,200 | $424,000 | $512,500 | $636,900 |
HARRISON | $275,665 | $352,950 | $426,625 | $530,150 |
HARTLEY | $275,665 | $352,950 | $426,625 | $530,150 |
HASKELL | $275,665 | $352,950 | $426,625 | $530,150 |
HAYS | $361,100 | $462,250 | $558,750 | $694,400 |
HEMPHILL | $275,665 | $352,950 | $426,625 | $530,150 |
HENDERSON | $275,665 | $352,950 | $426,625 | $530,150 |
HIDALGO | $275,665 | $352,950 | $426,625 | $530,150 |
HILL | $275,665 | $352,950 | $426,625 | $530,150 |
HOCKLEY | $275,665 | $352,950 | $426,625 | $530,150 |
HOOD | $362,250 | $463,750 | $560,550 | $696,650 |
HOPKINS | $275,665 | $352,950 | $426,625 | $530,150 |
HOUSTON | $275,665 | $352,950 | $426,625 | $530,150 |
HOWARD | $275,665 | $352,950 | $426,625 | $530,150 |
HUDSPETH | $275,665 | $352,950 | $426,625 | $530,150 |
HUNT | $362,250 | $463,750 | $560,550 | $696,650 |
HUTCHINSON | $275,665 | $352,950 | $426,625 | $530,150 |
IRION | $275,665 | $352,950 | $426,625 | $530,150 |
JACK | $275,665 | $352,950 | $426,625 | $530,150 |
JACKSON | $275,665 | $352,950 | $426,625 | $530,150 |
JASPER | $275,665 | $352,950 | $426,625 | $530,150 |
JEFF DAVIS | $275,665 | $352,950 | $426,625 | $530,150 |
JEFFERSON | $275,665 | $352,950 | $426,625 | $530,150 |
JIM HOGG | $275,665 | $352,950 | $426,625 | $530,150 |
JIM WELLS | $275,665 | $352,950 | $426,625 | $530,150 |
JOHNSON | $362,250 | $463,750 | $560,550 | $696,650 |
JONES | $275,665 | $352,950 | $426,625 | $530,150 |
KARNES | $275,665 | $352,950 | $426,625 | $530,150 |
KAUFMAN | $362,250 | $463,750 | $560,550 | $696,650 |
KENDALL | $327,750 | $419,550 | $507,150 | $630,300 |
KENEDY | $275,665 | $352,950 | $426,625 | $530,150 |
KENT | $275,665 | $352,950 | $426,625 | $530,150 |
KERR | $275,665 | $352,950 | $426,625 | $530,150 |
KIMBLE | $275,665 | $352,950 | $426,625 | $530,150 |
KING | $275,665 | $352,950 | $426,625 | $530,150 |
KINNEY | $275,665 | $352,950 | $426,625 | $530,150 |
KLEBERG | $275,665 | $352,950 | $426,625 | $530,150 |
KNOX | $275,665 | $352,950 | $426,625 | $530,150 |
LA SALLE | $275,665 | $352,950 | $426,625 | $530,150 |
LAMAR | $275,665 | $352,950 | $426,625 | $530,150 |
LAMB | $275,665 | $352,950 | $426,625 | $530,150 |
LAMPASAS | $275,665 | $352,950 | $426,625 | $530,150 |
LAVACA | $275,665 | $352,950 | $426,625 | $530,150 |
LEE | $275,665 | $352,950 | $426,625 | $530,150 |
LEON | $275,665 | $352,950 | $426,625 | $530,150 |
LIBERTY | $331,200 | $424,000 | $512,500 | $636,900 |
LIMESTONE | $275,665 | $352,950 | $426,625 | $530,150 |
LIPSCOMB | $275,665 | $352,950 | $426,625 | $530,150 |
LIVE OAK | $275,665 | $352,950 | $426,625 | $530,150 |
LLANO | $275,665 | $352,950 | $426,625 | $530,150 |
LOVING | $275,665 | $352,950 | $426,625 | $530,150 |
LUBBOCK | $275,665 | $352,950 | $426,625 | $530,150 |
LYNN | $275,665 | $352,950 | $426,625 | $530,150 |
MADISON | $275,665 | $352,950 | $426,625 | $530,150 |
MARION | $275,665 | $352,950 | $426,625 | $530,150 |
MARTIN | $285,200 | $365,100 | $441,300 | $548,450 |
MASON | $275,665 | $352,950 | $426,625 | $530,150 |
MATAGORDA | $275,665 | $352,950 | $426,625 | $530,150 |
MAVERICK | $275,665 | $352,950 | $426,625 | $530,150 |
MCCULLOCH | $275,665 | $352,950 | $426,625 | $530,150 |
MCLENNAN | $275,665 | $352,950 | $426,625 | $530,150 |
MCMULLEN | $275,665 | $352,950 | $426,625 | $530,150 |
MEDINA | $327,750 | $419,550 | $507,150 | $630,300 |
MENARD | $275,665 | $352,950 | $426,625 | $530,150 |
MIDLAND | $285,200 | $365,100 | $441,300 | $548,450 |
MILAM | $275,665 | $352,950 | $426,625 | $530,150 |
MILLS | $275,665 | $352,950 | $426,625 | $530,150 |
MITCHELL | $275,665 | $352,950 | $426,625 | $530,150 |
MONTAGUE | $275,665 | $352,950 | $426,625 | $530,150 |
MONTGOMERY | $331,200 | $424,000 | $512,500 | $636,900 |
MOORE | $275,665 | $352,950 | $426,625 | $530,150 |
MORRIS | $275,665 | $352,950 | $426,625 | $530,150 |
MOTLEY | $275,665 | $352,950 | $426,625 | $530,150 |
NACOGDOCHES | $275,665 | $352,950 | $426,625 | $530,150 |
NAVARRO | $275,665 | $352,950 | $426,625 | $530,150 |
NEWTON | $275,665 | $352,950 | $426,625 | $530,150 |
NOLAN | $275,665 | $352,950 | $426,625 | $530,150 |
NUECES | $275,665 | $352,950 | $426,625 | $530,150 |
OCHILTREE | $275,665 | $352,950 | $426,625 | $530,150 |
OLDHAM | $275,665 | $352,950 | $426,625 | $530,150 |
ORANGE | $275,665 | $352,950 | $426,625 | $530,150 |
PALO PINTO | $275,665 | $352,950 | $426,625 | $530,150 |
PANOLA | $275,665 | $352,950 | $426,625 | $530,150 |
PARKER | $362,250 | $463,750 | $560,550 | $696,650 |
PARMER | $275,665 | $352,950 | $426,625 | $530,150 |
PECOS | $275,665 | $352,950 | $426,625 | $530,150 |
POLK | $275,665 | $352,950 | $426,625 | $530,150 |
POTTER | $275,665 | $352,950 | $426,625 | $530,150 |
PRESIDIO | $275,665 | $352,950 | $426,625 | $530,150 |
RAINS | $275,665 | $352,950 | $426,625 | $530,150 |
RANDALL | $275,665 | $352,950 | $426,625 | $530,150 |
REAGAN | $275,665 | $352,950 | $426,625 | $530,150 |
REAL | $275,665 | $352,950 | $426,625 | $530,150 |
RED RIVER | $275,665 | $352,950 | $426,625 | $530,150 |
REEVES | $275,665 | $352,950 | $426,625 | $530,150 |
REFUGIO | $275,665 | $352,950 | $426,625 | $530,150 |
ROBERTS | $275,665 | $352,950 | $426,625 | $530,150 |
ROBERTSON | $275,665 | $352,950 | $426,625 | $530,150 |
ROCKWALL | $362,250 | $463,750 | $560,550 | $696,650 |
RUNNELS | $275,665 | $352,950 | $426,625 | $530,150 |
RUSK | $275,665 | $352,950 | $426,625 | $530,150 |
SABINE | $275,665 | $352,950 | $426,625 | $530,150 |
SAN AUGUSTINE | $275,665 | $352,950 | $426,625 | $530,150 |
SAN JACINTO | $275,665 | $352,950 | $426,625 | $530,150 |
SAN PATRICIO | $275,665 | $352,950 | $426,625 | $530,150 |
SAN SABA | $275,665 | $352,950 | $426,625 | $530,150 |
SCHLEICHER | $275,665 | $352,950 | $426,625 | $530,150 |
SCURRY | $275,665 | $352,950 | $426,625 | $530,150 |
SHACKELFORD | $275,665 | $352,950 | $426,625 | $530,150 |
SHELBY | $275,665 | $352,950 | $426,625 | $530,150 |
SHERMAN | $275,665 | $352,950 | $426,625 | $530,150 |
SMITH | $275,665 | $352,950 | $426,625 | $530,150 |
SOMERVELL | $362,250 | $463,750 | $560,550 | $696,650 |
STARR | $275,665 | $352,950 | $426,625 | $530,150 |
STEPHENS | $275,665 | $352,950 | $426,625 | $530,150 |
STERLING | $275,665 | $352,950 | $426,625 | $530,150 |
STONEWALL | $275,665 | $352,950 | $426,625 | $530,150 |
SUTTON | $275,665 | $352,950 | $426,625 | $530,150 |
SWISHER | $275,665 | $352,950 | $426,625 | $530,150 |
TARRANT | $362,250 | $463,750 | $560,550 | $696,650 |
TAYLOR | $275,665 | $352,950 | $426,625 | $530,150 |
TERRELL | $275,665 | $352,950 | $426,625 | $530,150 |
TERRY | $275,665 | $352,950 | $426,625 | $530,150 |
THROCKMORTON | $275,665 | $352,950 | $426,625 | $530,150 |
TITUS | $275,665 | $352,950 | $426,625 | $530,150 |
TOM GREEN | $275,665 | $352,950 | $426,625 | $530,150 |
TRAVIS | $361,100 | $462,250 | $558,750 | $694,400 |
TRINITY | $275,665 | $352,950 | $426,625 | $530,150 |
TYLER | $275,665 | $352,950 | $426,625 | $530,150 |
UPSHUR | $275,665 | $352,950 | $426,625 | $530,150 |
UPTON | $275,665 | $352,950 | $426,625 | $530,150 |
UVALDE | $275,665 | $352,950 | $426,625 | $530,150 |
VAL VERDE | $275,665 | $352,950 | $426,625 | $530,150 |
VAN ZANDT | $275,665 | $352,950 | $426,625 | $530,150 |
VICTORIA | $275,665 | $352,950 | $426,625 | $530,150 |
WALKER | $275,665 | $352,950 | $426,625 | $530,150 |
WALLER | $331,200 | $424,000 | $512,500 | $636,900 |
WARD | $275,665 | $352,950 | $426,625 | $530,150 |
WASHINGTON | $275,665 | $352,950 | $426,625 | $530,150 |
WEBB | $275,665 | $352,950 | $426,625 | $530,150 |
WHARTON | $275,665 | $352,950 | $426,625 | $530,150 |
WHEELER | $275,665 | $352,950 | $426,625 | $530,150 |
WICHITA | $275,665 | $352,950 | $426,625 | $530,150 |
WILBARGER | $275,665 | $352,950 | $426,625 | $530,150 |
WILLACY | $275,665 | $352,950 | $426,625 | $530,150 |
WILLIAMSON | $361,100 | $462,250 | $558,750 | $694,400 |
WILSON | $327,750 | $419,550 | $507,150 | $630,300 |
WINKLER | $275,665 | $352,950 | $426,625 | $530,150 |
WISE | $362,250 | $463,750 | $560,550 | $696,650 |
WOOD | $275,665 | $352,950 | $426,625 | $530,150 |
YOAKUM | $275,665 | $352,950 | $426,625 | $530,150 |
YOUNG | $275,665 | $352,950 | $426,625 | $530,150 |
ZAPATA | $275,665 | $352,950 | $426,625 | $530,150 |
ZAVALA | $275,665 | $352,950 | $426,625 | $530,150 |
Increases Brought on by Rising Home Values
Texas FHA loan limits for 2017 were increased in response to rising home values across the state. According to the real estate information company Zillow, the median home value in the Lone Star State rose by 8.4% from December 2015 to December 2016. By comparison, home prices nationwide rose by around 6% during that same 12-month period.
In some cities with hot real estate markets, house values rose well into the double digits. For instance, home prices in Dallas, Texas rose by a whopping 19% during the 12-month period mentioned above. In some Texas cities and counties, the median house price rose above the FHA loan limit for the area, making it harder for borrowers to find suitable properties within those limits. This occurred in other parts of the country as well.
These trends prompted housing officials to increase Texas FHA loan limits for 2017. In fact, they also increased them for most counties across the U.S.
According to a HUD press release from December 1, 2016: “the maximum loan limits for forward mortgages increased in 2,948 counties. There were no areas with a decrease in the maximum loan limits for forward mortgages though they remain unchanged in 286 counties.”