Texas FHA Loan Limits for 2025

Find the maximum FHA loan amount for your Texas county.

Texas FHA Loan Limits Overview

Texas FHA loan limits vary by county, with most counties at the FHA floor limit of $472,030 for single-family homes. However, metropolitan areas like Dallas-Fort Worth, Houston, Austin, and San Antonio have higher limits due to their higher housing costs.

Texas is known for its relatively affordable housing compared to coastal states, which is why many counties have the minimum FHA loan limit. This makes FHA loans particularly attractive for first-time homebuyers in Texas, as the loan limits are sufficient to cover the cost of many homes throughout the state.

Important: FHA loan limits are updated annually, typically in December for the following year. The limits shown on this page are current for 2025 and were last updated on December 1, 2024.

Texas FHA Loan Limits by County

Below is a complete list of FHA loan limits for all 254 counties in Texas. The limits shown are for single-family homes. For multi-unit properties (2-4 units), higher limits apply.

County Single-Family Limit Category
Anderson $472,030 Floor
Andrews $472,030 Floor
Angelina $472,030 Floor
Aransas $472,030 Floor
Archer $472,030 Floor
Armstrong $472,030 Floor
Atascosa $472,030 Floor
Austin $472,030 Floor
Bailey $472,030 Floor
Bandera $529,000 Between
Bastrop $598,000 Between
Baylor $472,030 Floor
Bee $472,030 Floor
Bell $472,030 Floor
Bexar $529,000 Between
Blanco $472,030 Floor
Borden $472,030 Floor
Bosque $472,030 Floor
Bowie $472,030 Floor
Brazoria $546,250 Between
Brazos $472,030 Floor
Brewster $472,030 Floor
Briscoe $472,030 Floor
Brooks $472,030 Floor
Brown $472,030 Floor
Burleson $472,030 Floor
Burnet $472,030 Floor
Caldwell $598,000 Between
Calhoun $472,030 Floor
Callahan $472,030 Floor
Cameron $472,030 Floor
Camp $472,030 Floor
Carson $472,030 Floor
Cass $472,030 Floor
Castro $472,030 Floor
Chambers $546,250 Between
Cherokee $472,030 Floor
Childress $472,030 Floor
Clay $472,030 Floor
Cochran $472,030 Floor
Coke $472,030 Floor
Coleman $472,030 Floor
Collin $598,000 Between
Collingsworth $472,030 Floor
Colorado $472,030 Floor
Comal $529,000 Between
Comanche $472,030 Floor
Concho $472,030 Floor
Cooke $472,030 Floor
Coryell $472,030 Floor
Cottle $472,030 Floor
Crane $472,030 Floor
Crockett $472,030 Floor
Crosby $472,030 Floor
Culberson $472,030 Floor
Dallam $472,030 Floor
Dallas $598,000 Between
Dawson $472,030 Floor
Deaf Smith $472,030 Floor
Delta $472,030 Floor
Denton $598,000 Between
DeWitt $472,030 Floor
Dickens $472,030 Floor
Dimmit $472,030 Floor
Donley $472,030 Floor
Duval $472,030 Floor
Eastland $472,030 Floor
Ector $472,030 Floor
Edwards $472,030 Floor
Ellis $598,000 Between
El Paso $472,030 Floor
Erath $472,030 Floor
Falls $472,030 Floor
Fannin $472,030 Floor
Fayette $472,030 Floor
Fisher $472,030 Floor
Floyd $472,030 Floor
Foard $472,030 Floor
Fort Bend $546,250 Between
Franklin $472,030 Floor
Freestone $472,030 Floor
Frio $472,030 Floor
Gaines $472,030 Floor
Galveston $546,250 Between
Garza $472,030 Floor
Gillespie $472,030 Floor
Glasscock $472,030 Floor
Goliad $472,030 Floor
Gonzales $472,030 Floor
Gray $472,030 Floor
Grayson $472,030 Floor
Gregg $472,030 Floor
Grimes $472,030 Floor
Guadalupe $529,000 Between
Hale $472,030 Floor
Hall $472,030 Floor
Hamilton $472,030 Floor
Hansford $472,030 Floor
Hardeman $472,030 Floor
Hardin $472,030 Floor
Harris $546,250 Between
Harrison $472,030 Floor
Hartley $472,030 Floor
Haskell $472,030 Floor
Hays $598,000 Between
Hemphill $472,030 Floor
Henderson $472,030 Floor
Hidalgo $472,030 Floor
Hill $472,030 Floor
Hockley $472,030 Floor
Hood $598,000 Between
Hopkins $472,030 Floor
Houston $472,030 Floor
Howard $472,030 Floor
Hudspeth $472,030 Floor
Hunt $472,030 Floor
Hutchinson $472,030 Floor
Irion $472,030 Floor
Jack $472,030 Floor
Jackson $472,030 Floor
Jasper $472,030 Floor
Jeff Davis $472,030 Floor
Jefferson $472,030 Floor
Jim Hogg $472,030 Floor
Jim Wells $472,030 Floor
Johnson $598,000 Between
Jones $472,030 Floor
Karnes $472,030 Floor
Kaufman $598,000 Between
Kendall $529,000 Between
Kenedy $472,030 Floor
Kent $472,030 Floor
Kerr $472,030 Floor
Kimble $472,030 Floor
King $472,030 Floor
Kinney $472,030 Floor
Kleberg $472,030 Floor
Knox $472,030 Floor
Lamar $472,030 Floor
Lamb $472,030 Floor
Lampasas $472,030 Floor
La Salle $472,030 Floor
Lavaca $472,030 Floor
Lee $472,030 Floor
Leon $472,030 Floor
Liberty $546,250 Between
Limestone $472,030 Floor
Lipscomb $472,030 Floor
Live Oak $472,030 Floor
Llano $472,030 Floor
Loving $472,030 Floor
Lubbock $472,030 Floor
Lynn $472,030 Floor
McCulloch $472,030 Floor
McLennan $472,030 Floor
McMullen $472,030 Floor
Madison $472,030 Floor
Marion $472,030 Floor
Martin $472,030 Floor
Mason $472,030 Floor
Matagorda $472,030 Floor
Maverick $472,030 Floor
Medina $529,000 Between
Menard $472,030 Floor
Midland $472,030 Floor
Milam $472,030 Floor
Mills $472,030 Floor
Mitchell $472,030 Floor
Montague $472,030 Floor
Montgomery $546,250 Between
Moore $472,030 Floor
Morris $472,030 Floor
Motley $472,030 Floor
Nacogdoches $472,030 Floor
Navarro $472,030 Floor
Newton $472,030 Floor
Nolan $472,030 Floor
Nueces $472,030 Floor
Ochiltree $472,030 Floor
Oldham $472,030 Floor
Orange $472,030 Floor
Palo Pinto $472,030 Floor
Panola $472,030 Floor
Parker $598,000 Between
Parmer $472,030 Floor
Pecos $472,030 Floor
Polk $472,030 Floor
Potter $472,030 Floor
Presidio $472,030 Floor
Rains $472,030 Floor
Randall $472,030 Floor
Reagan $472,030 Floor
Real $472,030 Floor
Red River $472,030 Floor
Reeves $472,030 Floor
Refugio $472,030 Floor
Roberts $472,030 Floor
Robertson $472,030 Floor
Rockwall $598,000 Between
Runnels $472,030 Floor
Rusk $472,030 Floor
Sabine $472,030 Floor
San Augustine $472,030 Floor
San Jacinto $546,250 Between
San Patricio $472,030 Floor
San Saba $472,030 Floor
Schleicher $472,030 Floor
Scurry $472,030 Floor
Shackelford $472,030 Floor
Shelby $472,030 Floor
Sherman $472,030 Floor
Smith $472,030 Floor
Somervell $472,030 Floor
Starr $472,030 Floor
Stephens $472,030 Floor
Sterling $472,030 Floor
Stonewall $472,030 Floor
Sutton $472,030 Floor
Swisher $472,030 Floor
Tarrant $598,000 Between
Taylor $472,030 Floor
Terrell $472,030 Floor
Terry $472,030 Floor
Throckmorton $472,030 Floor
Titus $472,030 Floor
Tom Green $472,030 Floor
Travis $598,000 Between
Trinity $472,030 Floor
Tyler $472,030 Floor
Upshur $472,030 Floor
Upton $472,030 Floor
Uvalde $472,030 Floor
Val Verde $472,030 Floor
Van Zandt $472,030 Floor
Victoria $472,030 Floor
Walker $472,030 Floor
Waller $546,250 Between
Ward $472,030 Floor
Washington $472,030 Floor
Webb $472,030 Floor
Wharton $472,030 Floor
Wheeler $472,030 Floor
Wichita $472,030 Floor
Wilbarger $472,030 Floor
Willacy $472,030 Floor
Williamson $598,000 Between
Wilson $529,000 Between
Winkler $472,030 Floor
Wise $598,000 Between
Wood $472,030 Floor
Yoakum $472,030 Floor
Young $472,030 Floor
Zapata $472,030 Floor
Zavala $472,030 Floor

Multi-Unit Property Limits in Texas

If you're purchasing a multi-unit property (2-4 units) in Texas, higher FHA loan limits apply. Below are the limits for multi-unit properties in counties at the floor and in higher-cost areas:

Property Type Floor Counties Dallas-Fort Worth Area Austin Area
Two-Family $604,400 $765,500 $765,500
Three-Family $730,525 $925,000 $925,000
Four-Family $907,900 $1,150,000 $1,150,000

For counties with limits between the floor and ceiling, multi-unit property limits are also proportionally adjusted.

Texas Counties with Higher FHA Loan Limits

The following Texas counties have FHA loan limits above the floor ($472,030) for single-family homes:

Dallas-Fort Worth Metro Area ($598,000)

  • Collin
  • Dallas
  • Denton
  • Ellis
  • Hood
  • Johnson
  • Kaufman
  • Parker
  • Rockwall
  • Tarrant
  • Wise

Austin Metro Area ($598,000)

  • Bastrop
  • Caldwell
  • Hays
  • Travis
  • Williamson

San Antonio Metro Area ($529,000)

  • Bandera
  • Bexar
  • Comal
  • Guadalupe
  • Kendall
  • Medina
  • Wilson

Houston Metro Area ($546,250)

  • Brazoria
  • Chambers
  • Fort Bend
  • Galveston
  • Harris
  • Liberty
  • Montgomery
  • San Jacinto
  • Waller

These counties are primarily located in major metropolitan areas where housing costs are higher than the state average.

Texas Housing Market and FHA Loans

Texas has a diverse housing market with significant variations in home prices across the state. This diversity is reflected in the FHA loan limits, with higher limits in metropolitan areas and lower limits in rural counties.

Advantages of Texas for FHA Borrowers

Texas offers several advantages for homebuyers using FHA loans:

  • Affordable Housing: Many areas of Texas have relatively affordable housing compared to coastal states, making it easier for first-time homebuyers to enter the market.
  • Strong Job Market: Texas has a robust economy and job market, which can make qualifying for an FHA loan easier for many borrowers.
  • No State Income Tax: The absence of state income tax in Texas can make it easier for borrowers to qualify for larger loan amounts based on their debt-to-income ratio.
  • Down Payment Assistance Programs: Texas offers various down payment assistance programs that can be used with FHA loans, such as the Texas Department of Housing and Community Affairs (TDHCA) programs.

Challenges in High-Growth Areas

Despite the overall affordability, some areas of Texas present challenges for FHA borrowers:

  • Rapid Price Appreciation: Cities like Austin, Dallas, and Houston have experienced significant home price appreciation in recent years, making it more challenging for first-time homebuyers.
  • Competitive Markets: In hot markets, sellers may prefer conventional loan offers over FHA offers due to perceived stricter property requirements and longer closing timelines.
  • Property Condition Requirements: Older homes in some Texas neighborhoods may require repairs to meet FHA's Minimum Property Standards.

Tips for Texas FHA Loan Borrowers

Consider Suburban Areas

If you work in a major city like Dallas or Houston, consider buying in a suburban county where housing costs may be lower while still being within commuting distance.

Explore Down Payment Assistance

Texas offers various down payment assistance programs through the TDHCA and local housing authorities that can be used with FHA loans.

Be Prepared for Property Inspections

Texas homes can face unique challenges like foundation issues due to soil conditions. Be prepared for potential FHA appraisal issues and have a plan for addressing them.

Consider New Construction

Texas has a lot of new construction, which often passes FHA appraisals more easily than older homes and may come with builder incentives.

Plan for Property Taxes

While Texas has no state income tax, property taxes are relatively high. Be sure to factor these into your affordability calculations.

Texas FHA Loan Resources

For more information about FHA loans in Texas, check out these resources:

Calculate Your Texas FHA Loan

Now that you know the FHA loan limits for your Texas county, use our calculators to estimate your monthly payments and determine how much house you can afford.

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Related Guides

Neighboring States

Popular Texas Counties

Harris (Houston)

Limit: $546,250

Dallas

Limit: $598,000

Bexar (San Antonio)

Limit: $529,000

Travis (Austin)

Limit: $598,000

Tarrant (Fort Worth)

Limit: $598,000

Collin (Plano)

Limit: $598,000

Explore FHA Loan Limits in Other States

California

California has some of the highest FHA loan limits in the country, with many counties at the ceiling limit of $1,089,300 for single-family homes.

View California Limits

Florida

Florida's FHA loan limits vary significantly by county, with higher limits in areas like Miami-Dade and lower limits in rural counties.

View Florida Limits

New York

New York has some of the highest FHA loan limits, particularly in New York City and surrounding counties, where limits reach the ceiling.

View New York Limits

Calculate Your Texas FHA Loan

Now that you know the FHA loan limits for your Texas county, use our calculators to estimate your monthly payments, determine how much house you can afford, and explore your options.

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