The FHA loan limits for Texas were increased from 2017 to 2018. At least in most counties. The table below shows the current (2018) FHA loan limits for all 254 counties in Texas. The maximum mortgage amount for most of the state is $294,515, for a single-family home purchase. Higher limits are allowed in areas with higher home prices, like the Austin and Dallas metro areas.
Table: Texas FHA Loan Limits for 2018
As shown in the table below, the FHA loan limit for a single-family home purchase in Texas ranges from $294,515 to $386,400, depending on the county. Note: These limits apply to mortgages that are insured by the Federal Housing Administration (FHA). There are different caps for conventional and VA home loans.
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| County | One-Family | Two-Family | Three-Family | Four-Family |
|---|---|---|---|---|
| ANDERSON | $294,515 | $377,075 | $455,800 | $566,425 |
| ANDREWS | $294,515 | $377,075 | $455,800 | $566,425 |
| ANGELINA | $294,515 | $377,075 | $455,800 | $566,425 |
| ARANSAS | $294,515 | $377,075 | $455,800 | $566,425 |
| ARCHER | $294,515 | $377,075 | $455,800 | $566,425 |
| ARMSTRONG | $294,515 | $377,075 | $455,800 | $566,425 |
| ATASCOSA | $359,950 | $460,800 | $557,000 | $692,200 |
| AUSTIN | $331,200 | $424,000 | $512,500 | $636,900 |
| BAILEY | $294,515 | $377,075 | $455,800 | $566,425 |
| BANDERA | $359,950 | $460,800 | $557,000 | $692,200 |
| BASTROP | $384,100 | $491,700 | $594,350 | $738,650 |
| BAYLOR | $294,515 | $377,075 | $455,800 | $566,425 |
| BEE | $294,515 | $377,075 | $455,800 | $566,425 |
| BELL | $294,515 | $377,075 | $455,800 | $566,425 |
| BEXAR | $359,950 | $460,800 | $557,000 | $692,200 |
| BLANCO | $294,515 | $377,075 | $455,800 | $566,425 |
| BORDEN | $294,515 | $377,075 | $455,800 | $566,425 |
| BOSQUE | $294,515 | $377,075 | $455,800 | $566,425 |
| BOWIE | $294,515 | $377,075 | $455,800 | $566,425 |
| BRAZORIA | $331,200 | $424,000 | $512,500 | $636,900 |
| BRAZOS | $294,515 | $377,075 | $455,800 | $566,425 |
| BREWSTER | $294,515 | $377,075 | $455,800 | $566,425 |
| BRISCOE | $294,515 | $377,075 | $455,800 | $566,425 |
| BROOKS | $294,515 | $377,075 | $455,800 | $566,425 |
| BROWN | $294,515 | $377,075 | $455,800 | $566,425 |
| BURLESON | $294,515 | $377,075 | $455,800 | $566,425 |
| BURNET | $294,515 | $377,075 | $455,800 | $566,425 |
| CALDWELL | $384,100 | $491,700 | $594,350 | $738,650 |
| CALHOUN | $294,515 | $377,075 | $455,800 | $566,425 |
| CALLAHAN | $294,515 | $377,075 | $455,800 | $566,425 |
| CAMERON | $294,515 | $377,075 | $455,800 | $566,425 |
| CAMP | $294,515 | $377,075 | $455,800 | $566,425 |
| CARSON | $294,515 | $377,075 | $455,800 | $566,425 |
| CASS | $294,515 | $377,075 | $455,800 | $566,425 |
| CASTRO | $294,515 | $377,075 | $455,800 | $566,425 |
| CHAMBERS | $331,200 | $424,000 | $512,500 | $636,900 |
| CHEROKEE | $294,515 | $377,075 | $455,800 | $566,425 |
| CHILDRESS | $294,515 | $377,075 | $455,800 | $566,425 |
| CLAY | $294,515 | $377,075 | $455,800 | $566,425 |
| COCHRAN | $294,515 | $377,075 | $455,800 | $566,425 |
| COKE | $294,515 | $377,075 | $455,800 | $566,425 |
| COLEMAN | $294,515 | $377,075 | $455,800 | $566,425 |
| COLLIN | $386,400 | $494,650 | $597,900 | $743,100 |
| COLLINGSWORTH | $294,515 | $377,075 | $455,800 | $566,425 |
| COLORADO | $294,515 | $377,075 | $455,800 | $566,425 |
| COMAL | $359,950 | $460,800 | $557,000 | $692,200 |
| COMANCHE | $294,515 | $377,075 | $455,800 | $566,425 |
| CONCHO | $294,515 | $377,075 | $455,800 | $566,425 |
| COOKE | $294,515 | $377,075 | $455,800 | $566,425 |
| CORYELL | $294,515 | $377,075 | $455,800 | $566,425 |
| COTTLE | $294,515 | $377,075 | $455,800 | $566,425 |
| CRANE | $294,515 | $377,075 | $455,800 | $566,425 |
| CROCKETT | $294,515 | $377,075 | $455,800 | $566,425 |
| CROSBY | $294,515 | $377,075 | $455,800 | $566,425 |
| CULBERSON | $294,515 | $377,075 | $455,800 | $566,425 |
| DALLAM | $294,515 | $377,075 | $455,800 | $566,425 |
| DALLAS | $386,400 | $494,650 | $597,900 | $743,100 |
| DAWSON | $294,515 | $377,075 | $455,800 | $566,425 |
| DEAF SMITH | $294,515 | $377,075 | $455,800 | $566,425 |
| DELTA | $294,515 | $377,075 | $455,800 | $566,425 |
| DENTON | $386,400 | $494,650 | $597,900 | $743,100 |
| DEWITT | $294,515 | $377,075 | $455,800 | $566,425 |
| DICKENS | $294,515 | $377,075 | $455,800 | $566,425 |
| DIMMIT | $294,515 | $377,075 | $455,800 | $566,425 |
| DONLEY | $294,515 | $377,075 | $455,800 | $566,425 |
| DUVAL | $294,515 | $377,075 | $455,800 | $566,425 |
| EASTLAND | $294,515 | $377,075 | $455,800 | $566,425 |
| ECTOR | $294,515 | $377,075 | $455,800 | $566,425 |
| EDWARDS | $294,515 | $377,075 | $455,800 | $566,425 |
| EL PASO | $294,515 | $377,075 | $455,800 | $566,425 |
| ELLIS | $386,400 | $494,650 | $597,900 | $743,100 |
| ERATH | $294,515 | $377,075 | $455,800 | $566,425 |
| FALLS | $294,515 | $377,075 | $455,800 | $566,425 |
| FANNIN | $294,515 | $377,075 | $455,800 | $566,425 |
| FAYETTE | $294,515 | $377,075 | $455,800 | $566,425 |
| FISHER | $294,515 | $377,075 | $455,800 | $566,425 |
| FLOYD | $294,515 | $377,075 | $455,800 | $566,425 |
| FOARD | $294,515 | $377,075 | $455,800 | $566,425 |
| FORT BEND | $331,200 | $424,000 | $512,500 | $636,900 |
| FRANKLIN | $294,515 | $377,075 | $455,800 | $566,425 |
| FREESTONE | $294,515 | $377,075 | $455,800 | $566,425 |
| FRIO | $294,515 | $377,075 | $455,800 | $566,425 |
| GAINES | $294,515 | $377,075 | $455,800 | $566,425 |
| GALVESTON | $331,200 | $424,000 | $512,500 | $636,900 |
| GARZA | $294,515 | $377,075 | $455,800 | $566,425 |
| GILLESPIE | $294,515 | $377,075 | $455,800 | $566,425 |
| GLASSCOCK | $294,515 | $377,075 | $455,800 | $566,425 |
| GOLIAD | $294,515 | $377,075 | $455,800 | $566,425 |
| GONZALES | $294,515 | $377,075 | $455,800 | $566,425 |
| GRAY | $294,515 | $377,075 | $455,800 | $566,425 |
| GRAYSON | $294,515 | $377,075 | $455,800 | $566,425 |
| GREGG | $294,515 | $377,075 | $455,800 | $566,425 |
| GRIMES | $294,515 | $377,075 | $455,800 | $566,425 |
| GUADALUPE | $359,950 | $460,800 | $557,000 | $692,200 |
| HALE | $294,515 | $377,075 | $455,800 | $566,425 |
| HALL | $294,515 | $377,075 | $455,800 | $566,425 |
| HAMILTON | $294,515 | $377,075 | $455,800 | $566,425 |
| HANSFORD | $294,515 | $377,075 | $455,800 | $566,425 |
| HARDEMAN | $294,515 | $377,075 | $455,800 | $566,425 |
| HARDIN | $294,515 | $377,075 | $455,800 | $566,425 |
| HARRIS | $331,200 | $424,000 | $512,500 | $636,900 |
| HARRISON | $294,515 | $377,075 | $455,800 | $566,425 |
| HARTLEY | $294,515 | $377,075 | $455,800 | $566,425 |
| HASKELL | $294,515 | $377,075 | $455,800 | $566,425 |
| HAYS | $384,100 | $491,700 | $594,350 | $738,650 |
| HEMPHILL | $294,515 | $377,075 | $455,800 | $566,425 |
| HENDERSON | $294,515 | $377,075 | $455,800 | $566,425 |
| HIDALGO | $294,515 | $377,075 | $455,800 | $566,425 |
| HILL | $294,515 | $377,075 | $455,800 | $566,425 |
| HOCKLEY | $294,515 | $377,075 | $455,800 | $566,425 |
| HOOD | $386,400 | $494,650 | $597,900 | $743,100 |
| HOPKINS | $294,515 | $377,075 | $455,800 | $566,425 |
| HOUSTON | $294,515 | $377,075 | $455,800 | $566,425 |
| HOWARD | $294,515 | $377,075 | $455,800 | $566,425 |
| HUDSPETH | $294,515 | $377,075 | $455,800 | $566,425 |
| HUNT | $386,400 | $494,650 | $597,900 | $743,100 |
| HUTCHINSON | $294,515 | $377,075 | $455,800 | $566,425 |
| IRION | $294,515 | $377,075 | $455,800 | $566,425 |
| JACK | $294,515 | $377,075 | $455,800 | $566,425 |
| JACKSON | $294,515 | $377,075 | $455,800 | $566,425 |
| JASPER | $294,515 | $377,075 | $455,800 | $566,425 |
| JEFF DAVIS | $294,515 | $377,075 | $455,800 | $566,425 |
| JEFFERSON | $294,515 | $377,075 | $455,800 | $566,425 |
| JIM HOGG | $294,515 | $377,075 | $455,800 | $566,425 |
| JIM WELLS | $294,515 | $377,075 | $455,800 | $566,425 |
| JOHNSON | $386,400 | $494,650 | $597,900 | $743,100 |
| JONES | $294,515 | $377,075 | $455,800 | $566,425 |
| KARNES | $294,515 | $377,075 | $455,800 | $566,425 |
| KAUFMAN | $386,400 | $494,650 | $597,900 | $743,100 |
| KENDALL | $359,950 | $460,800 | $557,000 | $692,200 |
| KENEDY | $294,515 | $377,075 | $455,800 | $566,425 |
| KENT | $294,515 | $377,075 | $455,800 | $566,425 |
| KERR | $294,515 | $377,075 | $455,800 | $566,425 |
| KIMBLE | $294,515 | $377,075 | $455,800 | $566,425 |
| KING | $294,515 | $377,075 | $455,800 | $566,425 |
| KINNEY | $294,515 | $377,075 | $455,800 | $566,425 |
| KLEBERG | $294,515 | $377,075 | $455,800 | $566,425 |
| KNOX | $294,515 | $377,075 | $455,800 | $566,425 |
| LA SALLE | $294,515 | $377,075 | $455,800 | $566,425 |
| LAMAR | $294,515 | $377,075 | $455,800 | $566,425 |
| LAMB | $294,515 | $377,075 | $455,800 | $566,425 |
| LAMPASAS | $294,515 | $377,075 | $455,800 | $566,425 |
| LAVACA | $294,515 | $377,075 | $455,800 | $566,425 |
| LEE | $294,515 | $377,075 | $455,800 | $566,425 |
| LEON | $294,515 | $377,075 | $455,800 | $566,425 |
| LIBERTY | $331,200 | $424,000 | $512,500 | $636,900 |
| LIMESTONE | $294,515 | $377,075 | $455,800 | $566,425 |
| LIPSCOMB | $294,515 | $377,075 | $455,800 | $566,425 |
| LIVE OAK | $294,515 | $377,075 | $455,800 | $566,425 |
| LLANO | $294,515 | $377,075 | $455,800 | $566,425 |
| LOVING | $294,515 | $377,075 | $455,800 | $566,425 |
| LUBBOCK | $294,515 | $377,075 | $455,800 | $566,425 |
| LYNN | $294,515 | $377,075 | $455,800 | $566,425 |
| MADISON | $294,515 | $377,075 | $455,800 | $566,425 |
| MARION | $294,515 | $377,075 | $455,800 | $566,425 |
| MARTIN | $294,515 | $377,075 | $455,800 | $566,425 |
| MASON | $294,515 | $377,075 | $455,800 | $566,425 |
| MATAGORDA | $294,515 | $377,075 | $455,800 | $566,425 |
| MAVERICK | $294,515 | $377,075 | $455,800 | $566,425 |
| MCCULLOCH | $294,515 | $377,075 | $455,800 | $566,425 |
| MCLENNAN | $294,515 | $377,075 | $455,800 | $566,425 |
| MCMULLEN | $294,515 | $377,075 | $455,800 | $566,425 |
| MEDINA | $359,950 | $460,800 | $557,000 | $692,200 |
| MENARD | $294,515 | $377,075 | $455,800 | $566,425 |
| MIDLAND | $294,515 | $377,075 | $455,800 | $566,425 |
| MILAM | $294,515 | $377,075 | $455,800 | $566,425 |
| MILLS | $294,515 | $377,075 | $455,800 | $566,425 |
| MITCHELL | $294,515 | $377,075 | $455,800 | $566,425 |
| MONTAGUE | $294,515 | $377,075 | $455,800 | $566,425 |
| MONTGOMERY | $331,200 | $424,000 | $512,500 | $636,900 |
| MOORE | $294,515 | $377,075 | $455,800 | $566,425 |
| MORRIS | $294,515 | $377,075 | $455,800 | $566,425 |
| MOTLEY | $294,515 | $377,075 | $455,800 | $566,425 |
| NACOGDOCHES | $294,515 | $377,075 | $455,800 | $566,425 |
| NAVARRO | $294,515 | $377,075 | $455,800 | $566,425 |
| NEWTON | $294,515 | $377,075 | $455,800 | $566,425 |
| NOLAN | $294,515 | $377,075 | $455,800 | $566,425 |
| NUECES | $294,515 | $377,075 | $455,800 | $566,425 |
| OCHILTREE | $294,515 | $377,075 | $455,800 | $566,425 |
| OLDHAM | $294,515 | $377,075 | $455,800 | $566,425 |
| ORANGE | $294,515 | $377,075 | $455,800 | $566,425 |
| PALO PINTO | $294,515 | $377,075 | $455,800 | $566,425 |
| PANOLA | $294,515 | $377,075 | $455,800 | $566,425 |
| PARKER | $386,400 | $494,650 | $597,900 | $743,100 |
| PARMER | $294,515 | $377,075 | $455,800 | $566,425 |
| PECOS | $294,515 | $377,075 | $455,800 | $566,425 |
| POLK | $294,515 | $377,075 | $455,800 | $566,425 |
| POTTER | $294,515 | $377,075 | $455,800 | $566,425 |
| PRESIDIO | $294,515 | $377,075 | $455,800 | $566,425 |
| RAINS | $294,515 | $377,075 | $455,800 | $566,425 |
| RANDALL | $294,515 | $377,075 | $455,800 | $566,425 |
| REAGAN | $294,515 | $377,075 | $455,800 | $566,425 |
| REAL | $294,515 | $377,075 | $455,800 | $566,425 |
| RED RIVER | $294,515 | $377,075 | $455,800 | $566,425 |
| REEVES | $294,515 | $377,075 | $455,800 | $566,425 |
| REFUGIO | $294,515 | $377,075 | $455,800 | $566,425 |
| ROBERTS | $294,515 | $377,075 | $455,800 | $566,425 |
| ROBERTSON | $294,515 | $377,075 | $455,800 | $566,425 |
| ROCKWALL | $386,400 | $494,650 | $597,900 | $743,100 |
| RUNNELS | $294,515 | $377,075 | $455,800 | $566,425 |
| RUSK | $294,515 | $377,075 | $455,800 | $566,425 |
| SABINE | $294,515 | $377,075 | $455,800 | $566,425 |
| SAN AUGUSTINE | $294,515 | $377,075 | $455,800 | $566,425 |
| SAN JACINTO | $294,515 | $377,075 | $455,800 | $566,425 |
| SAN PATRICIO | $294,515 | $377,075 | $455,800 | $566,425 |
| SAN SABA | $294,515 | $377,075 | $455,800 | $566,425 |
| SCHLEICHER | $294,515 | $377,075 | $455,800 | $566,425 |
| SCURRY | $294,515 | $377,075 | $455,800 | $566,425 |
| SHACKELFORD | $294,515 | $377,075 | $455,800 | $566,425 |
| SHELBY | $294,515 | $377,075 | $455,800 | $566,425 |
| SHERMAN | $294,515 | $377,075 | $455,800 | $566,425 |
| SMITH | $294,515 | $377,075 | $455,800 | $566,425 |
| SOMERVELL | $386,400 | $494,650 | $597,900 | $743,100 |
| STARR | $294,515 | $377,075 | $455,800 | $566,425 |
| STEPHENS | $294,515 | $377,075 | $455,800 | $566,425 |
| STERLING | $294,515 | $377,075 | $455,800 | $566,425 |
| STONEWALL | $294,515 | $377,075 | $455,800 | $566,425 |
| SUTTON | $294,515 | $377,075 | $455,800 | $566,425 |
| SWISHER | $294,515 | $377,075 | $455,800 | $566,425 |
| TARRANT | $386,400 | $494,650 | $597,900 | $743,100 |
| TAYLOR | $294,515 | $377,075 | $455,800 | $566,425 |
| TERRELL | $294,515 | $377,075 | $455,800 | $566,425 |
| TERRY | $294,515 | $377,075 | $455,800 | $566,425 |
| THROCKMORTON | $294,515 | $377,075 | $455,800 | $566,425 |
| TITUS | $294,515 | $377,075 | $455,800 | $566,425 |
| TOM GREEN | $294,515 | $377,075 | $455,800 | $566,425 |
| TRAVIS | $384,100 | $491,700 | $594,350 | $738,650 |
| TRINITY | $294,515 | $377,075 | $455,800 | $566,425 |
| TYLER | $294,515 | $377,075 | $455,800 | $566,425 |
| UPSHUR | $294,515 | $377,075 | $455,800 | $566,425 |
| UPTON | $294,515 | $377,075 | $455,800 | $566,425 |
| UVALDE | $294,515 | $377,075 | $455,800 | $566,425 |
| VAL VERDE | $294,515 | $377,075 | $455,800 | $566,425 |
| VAN ZANDT | $294,515 | $377,075 | $455,800 | $566,425 |
| VICTORIA | $294,515 | $377,075 | $455,800 | $566,425 |
| WALKER | $294,515 | $377,075 | $455,800 | $566,425 |
| WALLER | $331,200 | $424,000 | $512,500 | $636,900 |
| WARD | $294,515 | $377,075 | $455,800 | $566,425 |
| WASHINGTON | $294,515 | $377,075 | $455,800 | $566,425 |
| WEBB | $294,515 | $377,075 | $455,800 | $566,425 |
| WHARTON | $294,515 | $377,075 | $455,800 | $566,425 |
| WHEELER | $294,515 | $377,075 | $455,800 | $566,425 |
| WICHITA | $294,515 | $377,075 | $455,800 | $566,425 |
| WILBARGER | $294,515 | $377,075 | $455,800 | $566,425 |
| WILLACY | $294,515 | $377,075 | $455,800 | $566,425 |
| WILLIAMSON | $384,100 | $491,700 | $594,350 | $738,650 |
| WILSON | $359,950 | $460,800 | $557,000 | $692,200 |
| WINKLER | $294,515 | $377,075 | $455,800 | $566,425 |
| WISE | $386,400 | $494,650 | $597,900 | $743,100 |
| WOOD | $294,515 | $377,075 | $455,800 | $566,425 |
| YOAKUM | $294,515 | $377,075 | $455,800 | $566,425 |
| YOUNG | $294,515 | $377,075 | $455,800 | $566,425 |
| ZAPATA | $294,515 | $377,075 | $455,800 | $566,425 |
| ZAVALA | $294,515 | $377,075 | $455,800 | $566,425 |
Higher Home Prices Bring Higher Mortgage Caps
Last year, in 2017, the FHA loan limit “floor” or minimum for most Texas counties was $275,665. The floor amount was raised to $294,515 in 2018 in response to rising home values across the state.
As noted in a December 7 HUD press release: “Due to robust increases in median housing prices and required changes to FHA’s floor and ceiling limits, which are tied to the Federal Housing Finance Agency (FHFA)’s increase in the conventional mortgage loan limit for 2018, the maximum loan limits for FHA forward mortgages will rise in 3,011 counties.”
The vast majority of Texas counties saw an increase in FHA loan limits from 2017 to 2018, though a few counties were unchanged.
According to the real estate information company Zillow, the median home value in Texas rose by 6.7% during the 12-month period ending in November 2017. These trends — both in Texas and nationwide — are what prompted federal housing officials to increase loan limits going into 2018.
Disclaimer: The table above was transcribed from the Department of Housing and Urban Development (HUD). We make every effort to ensure the accuracy of information presented on this website. But there is always a chance for human error when transcribing large amounts of data. For the most accurate information regarding 2018 FHA loan limits in Texas, refer to the official HUD database available at https://entp.hud.gov/idapp/html/hicostlook.cfm.