Texas Conforming Loan Limits by County

2021 Fannie Mae, Freddie Mac conforming and jumbo mortgage loan limits. Popular areas include Houston, San Antonio, Dallas and Austin Texas.

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The average homebuyer in Texas is looking for a typical home and mortgage—and knowing conforming loan limits can help guide a buyer to finding generous mortgage terms. The conforming loan is a mortgage that fits the guidelines used by Fannie Mae and Freddie Mac, the federal mortgage companies established by the U.S. Congress to stabilize the housing industry. Through the Federal Housing Finance Agency (FHFA), conforming loan limits maximum dollar amounts established to reflect average home prices—are set annually. As the economy fluctuates, so does the mortgage market, so the FHFA House Price Index offers the broad measurement necessary to show the ebb and flow of a changing market. The FHFA House Price Index provides an exhaustive compilation of housing sales (both refinances) from all U.S. housing markets to accurately reflect trends.

The combination of the FHFA HPI and Fannie Mae and Freddie Mac standards shape the mortgage industry, offering guidance for standard practices in home lending. By meeting these standards, which vary from state to state, conforming loans often offer a lower interest rate and down payment as well as being easier to qualify for with more generous credit score requirements. For lenders, conforming loans are attractive on the resale market, so they are eager to provide a product that has value with the initial loan and is also a safe investment to be sold in the secondary mortgage market. This means that borrowers have a wider market of potential lenders to choose from, increasing the chance of obtaining the best mortgage terms in Texas.

Conforming loan limits per county for single units.

County

Property tax rate

Conforming limit

Anderson County

1.41%

$548,250

Angelina County

1.44%

$548,250

Aransas County

1.15%

$548,250

Atascosa County

1.48%

$548,250

Austin County

1.35%

$548,250

Bandera County

1.37%

$548,250

Bastrop County

1.73%

$548,250

Bee County

1.27%

$548,250

Bell County

1.83%

$548,250

Bexar County

1.97%

$548,250

Bowie County

1.50%

$548,250

Brazoria County

2.00%

$548,250

Brazos County

1.81%

$548,250

Brown County

1.44%

$548,250

Burnet County

1.35%

$548,250

Caldwell County

1.71%

$548,250

Cameron County

1.76%

$548,250

Cass County

1.27%

$548,250

Chambers County

1.42%

$548,250

Cherokee County

1.36%

$548,250

Collin County

1.94%

$548,250

Comal County

1.34%

$548,250

Cooke County

1.61%

$548,250

Coryell County

1.73%

$548,250

Dallas County

1.93%

$548,250

Denton County

1.90%

$548,250

Ector County

1.29%

$548,250

El Paso County

2.24%

$548,250

Ellis County

1.67%

$548,250

Erath County

1.51%

$548,250

Fannin County

1.33%

$548,250

Fayette County

1.12%

$548,250

Fort Bend County

2.22%

$548,250

Galveston County

1.79%

$548,250

Gillespie County

1.01%

$548,250

Gray County

1.42%

$548,250

Grayson County

1.53%

$548,250

Gregg County

1.45%

$548,250

Grimes County

1.15%

$548,250

Guadalupe County

1.67%

$548,250

Hale County

1.52%

$548,250

Hardin County

1.18%

$548,250

Harris County

2.03%

$548,250

Harrison County

1.16%

$548,250

Hays County

1.97%

$548,250

Henderson County

1.27%

$548,250

Hidalgo County

2.05%

$548,250

Hill County

1.51%

$548,250

Hockley County

1.71%

$548,250

Hood County

1.27%

$548,250

Hopkins County

1.48%

$548,250

Houston County

1.19%

$548,250

Howard County

1.22%

$548,250

Hunt County

1.63%

$548,250

Jasper County

1.07%

$548,250

Jefferson County

1.74%

$548,250

Jim Wells County

1.34%

$548,250

Johnson County

1.57%

$548,250

Kaufman County

1.88%

$548,250

Kendall County

1.46%

$548,250

Kerr County

1.26%

$548,250

Kleberg County

1.85%

$548,250

Lamar County

1.43%

$548,250

Liberty County

1.54%

$548,250

Limestone County

1.42%

$548,250

Lubbock County

1.78%

$548,250

Matagorda County

1.32%

$548,250

Maverick County

1.43%

$548,250

McLennan County

1.77%

$548,250

Medina County

1.40%

$548,250

Midland County

1.46%

$548,250

Milam County

1.35%

$548,250

Montgomery County

1.80%

$548,250

Nacogdoches County

1.00%

$548,250

Navarro County

1.56%

$548,250

Nueces County

1.87%

$548,250

Orange County

1.34%

$548,250

Palo Pinto County

1.48%

$548,250

Panola County

1.04%

$548,250

Parker County

1.61%

$548,250

Polk County

1.21%

$548,250

Potter County

1.79%

$548,250

Randall County

1.69%

$548,250

Rockwall County

1.95%

$548,250

Rusk County

1.09%

$548,250

San Jacinto County

1.14%

$548,250

San Patricio County

1.78%

$548,250

Shelby County

0.95%

$548,250

Smith County

1.37%

$548,250

Starr County

1.02%

$548,250

Tarrant County

2.10%

$548,250

Taylor County

1.52%

$548,250

Titus County

1.35%

$548,250

Tom Green County

1.46%

$548,250

Travis County

1.82%

$548,250

Upshur County

1.20%

$548,250

Uvalde County

1.50%

$548,250

Val Verde County

1.46%

$548,250

Van Zandt County

1.25%

$548,250

Victoria County

1.76%

$548,250

County

Tax Rate

Limit

Anderson County

1.41%

$548,250

Angelina County

1.44%

$548,250

Aransas County

1.15%

$548,250

Atascosa County

1.48%

$548,250

Austin County

1.35%

$548,250

Bandera County

1.37%

$548,250

Bastrop County

1.73%

$548,250

Bee County

1.27%

$548,250

Bell County

1.83%

$548,250

Bexar County

1.97%

$548,250

Bowie County

1.50%

$548,250

Brazoria County

2.00%

$548,250

Brazos County

1.81%

$548,250

Brown County

1.44%

$548,250

Burnet County

1.35%

$548,250

Caldwell County

1.71%

$548,250

Cameron County

1.76%

$548,250

Cass County

1.27%

$548,250

Chambers County

1.42%

$548,250

Cherokee County

1.36%

$548,250

Collin County

1.94%

$548,250

Comal County

1.34%

$548,250

Cooke County

1.61%

$548,250

Coryell County

1.73%

$548,250

Dallas County

1.93%

$548,250

Denton County

1.90%

$548,250

Ector County

1.29%

$548,250

El Paso County

2.24%

$548,250

Ellis County

1.67%

$548,250

Erath County

1.51%

$548,250

Fannin County

1.33%

$548,250

Fayette County

1.12%

$548,250

Fort Bend County

2.22%

$548,250

Galveston County

1.79%

$548,250

Gillespie County

1.01%

$548,250

Gray County

1.42%

$548,250

Grayson County

1.53%

$548,250

Gregg County

1.45%

$548,250

Grimes County

1.15%

$548,250

Guadalupe County

1.67%

$548,250

Hale County

1.52%

$548,250

Hardin County

1.18%

$548,250

Harris County

2.03%

$548,250

Harrison County

1.16%

$548,250

Hays County

1.97%

$548,250

Henderson County

1.27%

$548,250

Hidalgo County

2.05%

$548,250

Hill County

1.51%

$548,250

Hockley County

1.71%

$548,250

Hood County

1.27%

$548,250

Hopkins County

1.48%

$548,250

Houston County

1.19%

$548,250

Howard County

1.22%

$548,250

Hunt County

1.63%

$548,250

Jasper County

1.07%

$548,250

Jefferson County

1.74%

$548,250

Jim Wells County

1.34%

$548,250

Johnson County

1.57%

$548,250

Kaufman County

1.88%

$548,250

Kendall County

1.46%

$548,250

Kerr County

1.26%

$548,250

Kleberg County

1.85%

$548,250

Lamar County

1.43%

$548,250

Liberty County

1.54%

$548,250

Limestone County

1.42%

$548,250

Lubbock County

1.78%

$548,250

Matagorda County

1.32%

$548,250

Maverick County

1.43%

$548,250

McLennan County

1.77%

$548,250

Medina County

1.40%

$548,250

Midland County

1.46%

$548,250

Milam County

1.35%

$548,250

Montgomery County

1.80%

$548,250

Nacogdoches County

1.00%

$548,250

Navarro County

1.56%

$548,250

Nueces County

1.87%

$548,250

Orange County

1.34%

$548,250

Palo Pinto County

1.48%

$548,250

Panola County

1.04%

$548,250

Parker County

1.61%

$548,250

Polk County

1.21%

$548,250

Potter County

1.79%

$548,250

Randall County

1.69%

$548,250

Rockwall County

1.95%

$548,250

Rusk County

1.09%

$548,250

San Jacinto County

1.14%

$548,250

San Patricio County

1.78%

$548,250

Shelby County

0.95%

$548,250

Smith County

1.37%

$548,250

Starr County

1.02%

$548,250

Tarrant County

2.10%

$548,250

Taylor County

1.52%

$548,250

Titus County

1.35%

$548,250

Tom Green County

1.46%

$548,250

Travis County

1.82%

$548,250

Upshur County

1.20%

$548,250

Uvalde County

1.50%

$548,250

Val Verde County

1.46%

$548,250

Van Zandt County

1.25%

$548,250

Victoria County

1.76%

$548,250

The conforming loan limit in Houston Texas is $548,250.
The conforming loan limit in San AntonioTexas is $548,250.
The conforming loan limit in Dallas Texas is $548,250.
The conforming loan limit in Austin Texas is $548,250.
The conforming loan limit in Fort Worth Texas is $548,250.

Get started with a purchase or refinance mortgage loan today in Texas.

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