What Are Today’s Mortgage Rates in Texas?
For Tuesday, September 21, 2021, here are the current mortgage rates in Texas. The average 30-year fixed mortgage rate is 3.030%. The average 30-year fixed mortgage refinance rate is 2.970%. Today, the average 15-year fixed mortgage rate is 2.300%.
Looking at variable rate loans, the average 5/1 adjustable-rate mortgage (ARM) rate is 3.130%.
This information is from Bankrate’s latest survey of the nation’s largest mortgage lenders.
Current Mortgage Rates in Texas
| Loan Type | Rate |
|---|---|
| 30-year Fixed | 3.030% |
| 15-year Fixed | 2.300% |
| 5/1 ARM | 3.130% |
| 30-Year Refi | 2.970% |
First-Time Homebuyer Programs in Texas
Texas has a number of state-level first-time homebuyer assistance programs. However, there are also a wide range of city and county-specific programs that offer down payment or closing cost assistance. So be sure to talk with a local lender, real estate agent, or housing agency to learn more about what is available in your area.
There are a handful of first-time homebuyer loans offered through the Texas State Affordable Housing Corporation (TSAHC). These programs provide 30-year mortgages and up to 5% in down payment and closing cost assistance to qualified buyers. To be eligible, you must meet the property value and income limits, as well as have a minimum credit score requirement of 620.
The programs are:
- My First Texas Home – First-time homeowners and veterans
- My Choice Texas Home – Not required to be a first-time buyer
- Homes Sweet Texas Home Loan Program – Not required to be a first-time buyer
- Homes for Texas Heroes Loan Program – Available for qualified professions: teachers, firefighters, police officers, emergency medical services personnel, veterans
These loans are issued by an extensive network of approved lenders. You can find participating lenders for the My First Texas Home and My Choice Texas Home programs here. And the mortgage lenders approved for the other programs can be found here.
Texas Mortgage Taxes
On average, Texas has one of the highest average property tax rates in the country at 1.60%, according to the Tax Foundation. However, property tax rates are set by local governments, so what you pay varies depending on where you live with Texas.
You can deduct the mortgage interest you pay from your federal taxes, but only if you’re itemizing your deductions instead of taking the standard deduction. Texas doesn’t have state income taxes, so you don’t need to worry about state-level tax deductions.
First-time buyers and veterans may be eligible for the Texas Mortgage Credit Certificate Program. If you qualify, you can receive up to $2,000 a year in federal income tax credits.
Texas Mortgage Refinancing
The process for you refinancing your existing mortgage in Texas is roughly the same as in other states. You’ll want to shop around to find the mortgage lender with the best refinance rate and the lowest fees. Your credit score and loan-to-value ratio (LTV) will have a big impact on what interest rate you can qualify for. Aim for a credit score above 740 and a LTV of 80% or less.
Texas does have different rules for cash-out refinance loans for a primary single-family residence. You can only cash-out your equity for up to 80% of your home’s value. Also, certain fees on these types of loans are limited to 2% of the loan amount. But this limit doesn’t include some fees, such as discount points, title fees, and appraisal costs.
Conforming and FHA Loan Limits by County
Conforming loans meet certain guidelines set by the Federal Housing Finance Agency (FHFA). The main rule conforming mortgages must adhere to is a limit for the loan balance. This cap varies depending on the type of property and the home values of the surrounding area.
The 2021 conforming loan limits for Texas are:
TEXAS 2021 CONFORMING LOAN LIMITS BY COUNTY
| COUNTY | ONE-UNIT | TWO-UNIT | THREE-UNIT | FOUR-UNIT |
|---|---|---|---|---|
| ANDERSON | $548,250 | $702,000 | $848,500 | $1,054,500 |
| ANDREWS | $548,250 | $702,000 | $848,500 | $1,054,500 |
| ANGELINA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| ARANSAS | $548,250 | $702,000 | $848,500 | $1,054,500 |
| ARCHER | $548,250 | $702,000 | $848,500 | $1,054,500 |
| ARMSTRONG | $548,250 | $702,000 | $848,500 | $1,054,500 |
| ATASCOSA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| AUSTIN | $548,250 | $702,000 | $848,500 | $1,054,500 |
| BAILEY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| BANDERA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| BASTROP | $548,250 | $702,000 | $848,500 | $1,054,500 |
| BAYLOR | $548,250 | $702,000 | $848,500 | $1,054,500 |
| BEE | $548,250 | $702,000 | $848,500 | $1,054,500 |
| BELL | $548,250 | $702,000 | $848,500 | $1,054,500 |
| BEXAR | $548,250 | $702,000 | $848,500 | $1,054,500 |
| BLANCO | $548,250 | $702,000 | $848,500 | $1,054,500 |
| BORDEN | $548,250 | $702,000 | $848,500 | $1,054,500 |
| BOSQUE | $548,250 | $702,000 | $848,500 | $1,054,500 |
| BOWIE | $548,250 | $702,000 | $848,500 | $1,054,500 |
| BRAZORIA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| BRAZOS | $548,250 | $702,000 | $848,500 | $1,054,500 |
| BREWSTER | $548,250 | $702,000 | $848,500 | $1,054,500 |
| BRISCOE | $548,250 | $702,000 | $848,500 | $1,054,500 |
| BROOKS | $548,250 | $702,000 | $848,500 | $1,054,500 |
| BROWN | $548,250 | $702,000 | $848,500 | $1,054,500 |
| BURLESON | $548,250 | $702,000 | $848,500 | $1,054,500 |
| BURNET | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CALDWELL | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CALHOUN | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CALLAHAN | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CAMERON | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CAMP | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CARSON | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CASS | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CASTRO | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CHAMBERS | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CHEROKEE | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CHILDRESS | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CLAY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| COCHRAN | $548,250 | $702,000 | $848,500 | $1,054,500 |
| COKE | $548,250 | $702,000 | $848,500 | $1,054,500 |
| COLEMAN | $548,250 | $702,000 | $848,500 | $1,054,500 |
| COLLIN | $548,250 | $702,000 | $848,500 | $1,054,500 |
| COLLINGSWORTH | $548,250 | $702,000 | $848,500 | $1,054,500 |
| COLORADO | $548,250 | $702,000 | $848,500 | $1,054,500 |
| COMAL | $548,250 | $702,000 | $848,500 | $1,054,500 |
| COMANCHE | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CONCHO | $548,250 | $702,000 | $848,500 | $1,054,500 |
| COOKE | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CORYELL | $548,250 | $702,000 | $848,500 | $1,054,500 |
| COTTLE | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CRANE | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CROCKETT | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CROSBY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CULBERSON | $548,250 | $702,000 | $848,500 | $1,054,500 |
| DALLAM | $548,250 | $702,000 | $848,500 | $1,054,500 |
| DALLAS | $548,250 | $702,000 | $848,500 | $1,054,500 |
| DAWSON | $548,250 | $702,000 | $848,500 | $1,054,500 |
| DEAF SMITH | $548,250 | $702,000 | $848,500 | $1,054,500 |
| DELTA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| DENTON | $548,250 | $702,000 | $848,500 | $1,054,500 |
| DEWITT | $548,250 | $702,000 | $848,500 | $1,054,500 |
| DICKENS | $548,250 | $702,000 | $848,500 | $1,054,500 |
| DIMMIT | $548,250 | $702,000 | $848,500 | $1,054,500 |
| DONLEY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| DUVAL | $548,250 | $702,000 | $848,500 | $1,054,500 |
| EASTLAND | $548,250 | $702,000 | $848,500 | $1,054,500 |
| ECTOR | $548,250 | $702,000 | $848,500 | $1,054,500 |
| EDWARDS | $548,250 | $702,000 | $848,500 | $1,054,500 |
| ELLIS | $548,250 | $702,000 | $848,500 | $1,054,500 |
| EL PASO | $548,250 | $702,000 | $848,500 | $1,054,500 |
| ERATH | $548,250 | $702,000 | $848,500 | $1,054,500 |
| FALLS | $548,250 | $702,000 | $848,500 | $1,054,500 |
| FANNIN | $548,250 | $702,000 | $848,500 | $1,054,500 |
| FAYETTE | $548,250 | $702,000 | $848,500 | $1,054,500 |
| FISHER | $548,250 | $702,000 | $848,500 | $1,054,500 |
| FLOYD | $548,250 | $702,000 | $848,500 | $1,054,500 |
| FOARD | $548,250 | $702,000 | $848,500 | $1,054,500 |
| FORT BEND | $548,250 | $702,000 | $848,500 | $1,054,500 |
| FRANKLIN | $548,250 | $702,000 | $848,500 | $1,054,500 |
| FREESTONE | $548,250 | $702,000 | $848,500 | $1,054,500 |
| FRIO | $548,250 | $702,000 | $848,500 | $1,054,500 |
| GAINES | $548,250 | $702,000 | $848,500 | $1,054,500 |
| GALVESTON | $548,250 | $702,000 | $848,500 | $1,054,500 |
| GARZA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| GILLESPIE | $548,250 | $702,000 | $848,500 | $1,054,500 |
| GLASSCOCK | $548,250 | $702,000 | $848,500 | $1,054,500 |
| GOLIAD | $548,250 | $702,000 | $848,500 | $1,054,500 |
| GONZALES | $548,250 | $702,000 | $848,500 | $1,054,500 |
| GRAY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| GRAYSON | $548,250 | $702,000 | $848,500 | $1,054,500 |
| GREGG | $548,250 | $702,000 | $848,500 | $1,054,500 |
| GRIMES | $548,250 | $702,000 | $848,500 | $1,054,500 |
| GUADALUPE | $548,250 | $702,000 | $848,500 | $1,054,500 |
| HALE | $548,250 | $702,000 | $848,500 | $1,054,500 |
| HALL | $548,250 | $702,000 | $848,500 | $1,054,500 |
| HAMILTON | $548,250 | $702,000 | $848,500 | $1,054,500 |
| HANSFORD | $548,250 | $702,000 | $848,500 | $1,054,500 |
| HARDEMAN | $548,250 | $702,000 | $848,500 | $1,054,500 |
| HARDIN | $548,250 | $702,000 | $848,500 | $1,054,500 |
| HARRIS | $548,250 | $702,000 | $848,500 | $1,054,500 |
| HARRISON | $548,250 | $702,000 | $848,500 | $1,054,500 |
| HARTLEY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| HASKELL | $548,250 | $702,000 | $848,500 | $1,054,500 |
| HAYS | $548,250 | $702,000 | $848,500 | $1,054,500 |
| HEMPHILL | $548,250 | $702,000 | $848,500 | $1,054,500 |
| HENDERSON | $548,250 | $702,000 | $848,500 | $1,054,500 |
| HIDALGO | $548,250 | $702,000 | $848,500 | $1,054,500 |
| HILL | $548,250 | $702,000 | $848,500 | $1,054,500 |
| HOCKLEY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| HOOD | $548,250 | $702,000 | $848,500 | $1,054,500 |
| HOPKINS | $548,250 | $702,000 | $848,500 | $1,054,500 |
| HOUSTON | $548,250 | $702,000 | $848,500 | $1,054,500 |
| HOWARD | $548,250 | $702,000 | $848,500 | $1,054,500 |
| HUDSPETH | $548,250 | $702,000 | $848,500 | $1,054,500 |
| HUNT | $548,250 | $702,000 | $848,500 | $1,054,500 |
| HUTCHINSON | $548,250 | $702,000 | $848,500 | $1,054,500 |
| IRION | $548,250 | $702,000 | $848,500 | $1,054,500 |
| JACK | $548,250 | $702,000 | $848,500 | $1,054,500 |
| JACKSON | $548,250 | $702,000 | $848,500 | $1,054,500 |
| JASPER | $548,250 | $702,000 | $848,500 | $1,054,500 |
| JEFF DAVIS | $548,250 | $702,000 | $848,500 | $1,054,500 |
| JEFFERSON | $548,250 | $702,000 | $848,500 | $1,054,500 |
| JIM HOGG | $548,250 | $702,000 | $848,500 | $1,054,500 |
| JIM WELLS | $548,250 | $702,000 | $848,500 | $1,054,500 |
| JOHNSON | $548,250 | $702,000 | $848,500 | $1,054,500 |
| JONES | $548,250 | $702,000 | $848,500 | $1,054,500 |
| KARNES | $548,250 | $702,000 | $848,500 | $1,054,500 |
| KAUFMAN | $548,250 | $702,000 | $848,500 | $1,054,500 |
| KENDALL | $548,250 | $702,000 | $848,500 | $1,054,500 |
| KENEDY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| KENT | $548,250 | $702,000 | $848,500 | $1,054,500 |
| KERR | $548,250 | $702,000 | $848,500 | $1,054,500 |
| KIMBLE | $548,250 | $702,000 | $848,500 | $1,054,500 |
| KING | $548,250 | $702,000 | $848,500 | $1,054,500 |
| KINNEY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| KLEBERG | $548,250 | $702,000 | $848,500 | $1,054,500 |
| KNOX | $548,250 | $702,000 | $848,500 | $1,054,500 |
| LAMAR | $548,250 | $702,000 | $848,500 | $1,054,500 |
| LAMB | $548,250 | $702,000 | $848,500 | $1,054,500 |
| LAMPASAS | $548,250 | $702,000 | $848,500 | $1,054,500 |
| LA SALLE | $548,250 | $702,000 | $848,500 | $1,054,500 |
| LAVACA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| LEE | $548,250 | $702,000 | $848,500 | $1,054,500 |
| LEON | $548,250 | $702,000 | $848,500 | $1,054,500 |
| LIBERTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| LIMESTONE | $548,250 | $702,000 | $848,500 | $1,054,500 |
| LIPSCOMB | $548,250 | $702,000 | $848,500 | $1,054,500 |
| LIVE OAK | $548,250 | $702,000 | $848,500 | $1,054,500 |
| LLANO | $548,250 | $702,000 | $848,500 | $1,054,500 |
| LOVING | $548,250 | $702,000 | $848,500 | $1,054,500 |
| LUBBOCK | $548,250 | $702,000 | $848,500 | $1,054,500 |
| LYNN | $548,250 | $702,000 | $848,500 | $1,054,500 |
| MCCULLOCH | $548,250 | $702,000 | $848,500 | $1,054,500 |
| MCLENNAN | $548,250 | $702,000 | $848,500 | $1,054,500 |
| MCMULLEN | $548,250 | $702,000 | $848,500 | $1,054,500 |
| MADISON | $548,250 | $702,000 | $848,500 | $1,054,500 |
| MARION | $548,250 | $702,000 | $848,500 | $1,054,500 |
| MARTIN | $548,250 | $702,000 | $848,500 | $1,054,500 |
| MASON | $548,250 | $702,000 | $848,500 | $1,054,500 |
| MATAGORDA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| MAVERICK | $548,250 | $702,000 | $848,500 | $1,054,500 |
| MEDINA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| MENARD | $548,250 | $702,000 | $848,500 | $1,054,500 |
| MIDLAND | $548,250 | $702,000 | $848,500 | $1,054,500 |
| MILAM | $548,250 | $702,000 | $848,500 | $1,054,500 |
| MILLS | $548,250 | $702,000 | $848,500 | $1,054,500 |
| MITCHELL | $548,250 | $702,000 | $848,500 | $1,054,500 |
| MONTAGUE | $548,250 | $702,000 | $848,500 | $1,054,500 |
| MONTGOMERY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| MOORE | $548,250 | $702,000 | $848,500 | $1,054,500 |
| MORRIS | $548,250 | $702,000 | $848,500 | $1,054,500 |
| MOTLEY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| NACOGDOCHES | $548,250 | $702,000 | $848,500 | $1,054,500 |
| NAVARRO | $548,250 | $702,000 | $848,500 | $1,054,500 |
| NEWTON | $548,250 | $702,000 | $848,500 | $1,054,500 |
| NOLAN | $548,250 | $702,000 | $848,500 | $1,054,500 |
| NUECES | $548,250 | $702,000 | $848,500 | $1,054,500 |
| OCHILTREE | $548,250 | $702,000 | $848,500 | $1,054,500 |
| OLDHAM | $548,250 | $702,000 | $848,500 | $1,054,500 |
| ORANGE | $548,250 | $702,000 | $848,500 | $1,054,500 |
| PALO PINTO | $548,250 | $702,000 | $848,500 | $1,054,500 |
| PANOLA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| PARKER | $548,250 | $702,000 | $848,500 | $1,054,500 |
| PARMER | $548,250 | $702,000 | $848,500 | $1,054,500 |
| PECOS | $548,250 | $702,000 | $848,500 | $1,054,500 |
| POLK | $548,250 | $702,000 | $848,500 | $1,054,500 |
| POTTER | $548,250 | $702,000 | $848,500 | $1,054,500 |
| PRESIDIO | $548,250 | $702,000 | $848,500 | $1,054,500 |
| RAINS | $548,250 | $702,000 | $848,500 | $1,054,500 |
| RANDALL | $548,250 | $702,000 | $848,500 | $1,054,500 |
| REAGAN | $548,250 | $702,000 | $848,500 | $1,054,500 |
| REAL | $548,250 | $702,000 | $848,500 | $1,054,500 |
| RED RIVER | $548,250 | $702,000 | $848,500 | $1,054,500 |
| REEVES | $548,250 | $702,000 | $848,500 | $1,054,500 |
| REFUGIO | $548,250 | $702,000 | $848,500 | $1,054,500 |
| ROBERTS | $548,250 | $702,000 | $848,500 | $1,054,500 |
| ROBERTSON | $548,250 | $702,000 | $848,500 | $1,054,500 |
| ROCKWALL | $548,250 | $702,000 | $848,500 | $1,054,500 |
| RUNNELS | $548,250 | $702,000 | $848,500 | $1,054,500 |
| RUSK | $548,250 | $702,000 | $848,500 | $1,054,500 |
| SABINE | $548,250 | $702,000 | $848,500 | $1,054,500 |
| SAN AUGUSTINE | $548,250 | $702,000 | $848,500 | $1,054,500 |
| SAN JACINTO | $548,250 | $702,000 | $848,500 | $1,054,500 |
| SAN PATRICIO | $548,250 | $702,000 | $848,500 | $1,054,500 |
| SAN SABA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| SCHLEICHER | $548,250 | $702,000 | $848,500 | $1,054,500 |
| SCURRY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| SHACKELFORD | $548,250 | $702,000 | $848,500 | $1,054,500 |
| SHELBY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| SHERMAN | $548,250 | $702,000 | $848,500 | $1,054,500 |
| SMITH | $548,250 | $702,000 | $848,500 | $1,054,500 |
| SOMERVELL | $548,250 | $702,000 | $848,500 | $1,054,500 |
| STARR | $548,250 | $702,000 | $848,500 | $1,054,500 |
| STEPHENS | $548,250 | $702,000 | $848,500 | $1,054,500 |
| STERLING | $548,250 | $702,000 | $848,500 | $1,054,500 |
| STONEWALL | $548,250 | $702,000 | $848,500 | $1,054,500 |
| SUTTON | $548,250 | $702,000 | $848,500 | $1,054,500 |
| SWISHER | $548,250 | $702,000 | $848,500 | $1,054,500 |
| TARRANT | $548,250 | $702,000 | $848,500 | $1,054,500 |
| TAYLOR | $548,250 | $702,000 | $848,500 | $1,054,500 |
| TERRELL | $548,250 | $702,000 | $848,500 | $1,054,500 |
| TERRY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| THROCKMORTON | $548,250 | $702,000 | $848,500 | $1,054,500 |
| TITUS | $548,250 | $702,000 | $848,500 | $1,054,500 |
| TOM GREEN | $548,250 | $702,000 | $848,500 | $1,054,500 |
| TRAVIS | $548,250 | $702,000 | $848,500 | $1,054,500 |
| TRINITY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| TYLER | $548,250 | $702,000 | $848,500 | $1,054,500 |
| UPSHUR | $548,250 | $702,000 | $848,500 | $1,054,500 |
| UPTON | $548,250 | $702,000 | $848,500 | $1,054,500 |
| UVALDE | $548,250 | $702,000 | $848,500 | $1,054,500 |
| VAL VERDE | $548,250 | $702,000 | $848,500 | $1,054,500 |
| VAN ZANDT | $548,250 | $702,000 | $848,500 | $1,054,500 |
| VICTORIA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| WALKER | $548,250 | $702,000 | $848,500 | $1,054,500 |
| WALLER | $548,250 | $702,000 | $848,500 | $1,054,500 |
| WARD | $548,250 | $702,000 | $848,500 | $1,054,500 |
| WASHINGTON | $548,250 | $702,000 | $848,500 | $1,054,500 |
| WEBB | $548,250 | $702,000 | $848,500 | $1,054,500 |
| WHARTON | $548,250 | $702,000 | $848,500 | $1,054,500 |
| WHEELER | $548,250 | $702,000 | $848,500 | $1,054,500 |
| WICHITA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| WILBARGER | $548,250 | $702,000 | $848,500 | $1,054,500 |
| WILLACY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| WILLIAMSON | $548,250 | $702,000 | $848,500 | $1,054,500 |
| WILSON | $548,250 | $702,000 | $848,500 | $1,054,500 |
| WINKLER | $548,250 | $702,000 | $848,500 | $1,054,500 |
| WISE | $548,250 | $702,000 | $848,500 | $1,054,500 |
| WOOD | $548,250 | $702,000 | $848,500 | $1,054,500 |
| YOAKUM | $548,250 | $702,000 | $848,500 | $1,054,500 |
| YOUNG | $548,250 | $702,000 | $848,500 | $1,054,500 |
| ZAPATA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| ZAVALA | $548,250 | $702,000 | $848,500 | $1,054,500 |
If you’re considering an FHA loan, which is a mortgage backed by the Federal Housing Administration, your loan balance will need to fall within the 2021 FHA loan limits for the area.
Here are the mortgage amount requirements for FHA loans in Texas broken down by county:
TEXAS 2021 FHA LOAN LIMITS BY COUNTY
| COUNTY | ONE-UNIT | TWO-UNIT | THREE-UNIT | FOUR-UNIT |
|---|---|---|---|---|
| ANDERSON | $356,362 | $456,275 | $551,500 | $685,400 |
| ANDREWS | $356,362 | $456,275 | $551,500 | $685,400 |
| ANGELINA | $356,362 | $456,275 | $551,500 | $685,400 |
| ARANSAS | $356,362 | $456,275 | $551,500 | $685,400 |
| ARCHER | $356,362 | $456,275 | $551,500 | $685,400 |
| ARMSTRONG | $356,362 | $456,275 | $551,500 | $685,400 |
| ATASCOSA | $403,650 | $516,750 | $624,600 | $776,250 |
| AUSTIN | $356,362 | $456,275 | $551,500 | $685,400 |
| BAILEY | $356,362 | $456,275 | $551,500 | $685,400 |
| BANDERA | $403,650 | $516,750 | $624,600 | $776,250 |
| BASTROP | $416,300 | $532,950 | $644,200 | $800,600 |
| BAYLOR | $356,362 | $456,275 | $551,500 | $685,400 |
| BEE | $356,362 | $456,275 | $551,500 | $685,400 |
| BELL | $356,362 | $456,275 | $551,500 | $685,400 |
| BEXAR | $403,650 | $516,750 | $624,600 | $776,250 |
| BLANCO | $356,362 | $456,275 | $551,500 | $685,400 |
| BORDEN | $356,362 | $456,275 | $551,500 | $685,400 |
| BOSQUE | $356,362 | $456,275 | $551,500 | $685,400 |
| BOWIE | $356,362 | $456,275 | $551,500 | $685,400 |
| BRAZORIA | $356,362 | $456,275 | $551,500 | $685,400 |
| BRAZOS | $356,362 | $456,275 | $551,500 | $685,400 |
| BREWSTER | $356,362 | $456,275 | $551,500 | $685,400 |
| BRISCOE | $356,362 | $456,275 | $551,500 | $685,400 |
| BROOKS | $356,362 | $456,275 | $551,500 | $685,400 |
| BROWN | $356,362 | $456,275 | $551,500 | $685,400 |
| BURLESON | $356,362 | $456,275 | $551,500 | $685,400 |
| BURNET | $356,362 | $456,275 | $551,500 | $685,400 |
| CALDWELL | $416,300 | $532,950 | $644,200 | $800,600 |
| CALHOUN | $356,362 | $456,275 | $551,500 | $685,400 |
| CALLAHAN | $356,362 | $456,275 | $551,500 | $685,400 |
| CAMERON | $356,362 | $456,275 | $551,500 | $685,400 |
| CAMP | $356,362 | $456,275 | $551,500 | $685,400 |
| CARSON | $356,362 | $456,275 | $551,500 | $685,400 |
| CASS | $356,362 | $456,275 | $551,500 | $685,400 |
| CASTRO | $356,362 | $456,275 | $551,500 | $685,400 |
| CHAMBERS | $356,362 | $456,275 | $551,500 | $685,400 |
| CHEROKEE | $356,362 | $456,275 | $551,500 | $685,400 |
| CHILDRESS | $356,362 | $456,275 | $551,500 | $685,400 |
| CLAY | $356,362 | $456,275 | $551,500 | $685,400 |
| COCHRAN | $356,362 | $456,275 | $551,500 | $685,400 |
| COKE | $356,362 | $456,275 | $551,500 | $685,400 |
| COLEMAN | $356,362 | $456,275 | $551,500 | $685,400 |
| COLLIN | $411,700 | $527,050 | $637,050 | $791,750 |
| COLLINGSWORTH | $356,362 | $456,275 | $551,500 | $685,400 |
| COLORADO | $356,362 | $456,275 | $551,500 | $685,400 |
| COMAL | $403,650 | $516,750 | $624,600 | $776,250 |
| COMANCHE | $356,362 | $456,275 | $551,500 | $685,400 |
| CONCHO | $356,362 | $456,275 | $551,500 | $685,400 |
| COOKE | $356,362 | $456,275 | $551,500 | $685,400 |
| CORYELL | $356,362 | $456,275 | $551,500 | $685,400 |
| COTTLE | $356,362 | $456,275 | $551,500 | $685,400 |
| CRANE | $356,362 | $456,275 | $551,500 | $685,400 |
| CROCKETT | $356,362 | $456,275 | $551,500 | $685,400 |
| CROSBY | $356,362 | $456,275 | $551,500 | $685,400 |
| CULBERSON | $356,362 | $456,275 | $551,500 | $685,400 |
| DALLAM | $356,362 | $456,275 | $551,500 | $685,400 |
| DALLAS | $411,700 | $527,050 | $637,050 | $791,750 |
| DAWSON | $356,362 | $456,275 | $551,500 | $685,400 |
| DEAF SMITH | $356,362 | $456,275 | $551,500 | $685,400 |
| DELTA | $356,362 | $456,275 | $551,500 | $685,400 |
| DENTON | $411,700 | $527,050 | $637,050 | $791,750 |
| DEWITT | $356,362 | $456,275 | $551,500 | $685,400 |
| DICKENS | $356,362 | $456,275 | $551,500 | $685,400 |
| DIMMIT | $356,362 | $456,275 | $551,500 | $685,400 |
| DONLEY | $356,362 | $456,275 | $551,500 | $685,400 |
| DUVAL | $356,362 | $456,275 | $551,500 | $685,400 |
| EASTLAND | $356,362 | $456,275 | $551,500 | $685,400 |
| ECTOR | $356,362 | $456,275 | $551,500 | $685,400 |
| EDWARDS | $356,362 | $456,275 | $551,500 | $685,400 |
| EL PASO | $356,362 | $456,275 | $551,500 | $685,400 |
| ELLIS | $411,700 | $527,050 | $637,050 | $791,750 |
| ERATH | $356,362 | $456,275 | $551,500 | $685,400 |
| FALLS | $356,362 | $456,275 | $551,500 | $685,400 |
| FANNIN | $356,362 | $456,275 | $551,500 | $685,400 |
| FAYETTE | $356,362 | $456,275 | $551,500 | $685,400 |
| FISHER | $356,362 | $456,275 | $551,500 | $685,400 |
| FLOYD | $356,362 | $456,275 | $551,500 | $685,400 |
| FOARD | $356,362 | $456,275 | $551,500 | $685,400 |
| FORT BEND | $356,362 | $456,275 | $551,500 | $685,400 |
| FRANKLIN | $356,362 | $456,275 | $551,500 | $685,400 |
| FREESTONE | $356,362 | $456,275 | $551,500 | $685,400 |
| FRIO | $356,362 | $456,275 | $551,500 | $685,400 |
| GAINES | $356,362 | $456,275 | $551,500 | $685,400 |
| GALVESTON | $356,362 | $456,275 | $551,500 | $685,400 |
| GARZA | $356,362 | $456,275 | $551,500 | $685,400 |
| GILLESPIE | $356,362 | $456,275 | $551,500 | $685,400 |
| GLASSCOCK | $356,362 | $456,275 | $551,500 | $685,400 |
| GOLIAD | $356,362 | $456,275 | $551,500 | $685,400 |
| GONZALES | $356,362 | $456,275 | $551,500 | $685,400 |
| GRAY | $356,362 | $456,275 | $551,500 | $685,400 |
| GRAYSON | $356,362 | $456,275 | $551,500 | $685,400 |
| GREGG | $356,362 | $456,275 | $551,500 | $685,400 |
| GRIMES | $356,362 | $456,275 | $551,500 | $685,400 |
| GUADALUPE | $403,650 | $516,750 | $624,600 | $776,250 |
| HALE | $356,362 | $456,275 | $551,500 | $685,400 |
| HALL | $356,362 | $456,275 | $551,500 | $685,400 |
| HAMILTON | $356,362 | $456,275 | $551,500 | $685,400 |
| HANSFORD | $356,362 | $456,275 | $551,500 | $685,400 |
| HARDEMAN | $356,362 | $456,275 | $551,500 | $685,400 |
| HARDIN | $356,362 | $456,275 | $551,500 | $685,400 |
| HARRIS | $356,362 | $456,275 | $551,500 | $685,400 |
| HARRISON | $356,362 | $456,275 | $551,500 | $685,400 |
| HARTLEY | $356,362 | $456,275 | $551,500 | $685,400 |
| HASKELL | $356,362 | $456,275 | $551,500 | $685,400 |
| HAYS | $416,300 | $532,950 | $644,200 | $800,600 |
| HEMPHILL | $356,362 | $456,275 | $551,500 | $685,400 |
| HENDERSON | $356,362 | $456,275 | $551,500 | $685,400 |
| HIDALGO | $356,362 | $456,275 | $551,500 | $685,400 |
| HILL | $356,362 | $456,275 | $551,500 | $685,400 |
| HOCKLEY | $356,362 | $456,275 | $551,500 | $685,400 |
| HOOD | $356,362 | $456,275 | $551,500 | $685,400 |
| HOPKINS | $356,362 | $456,275 | $551,500 | $685,400 |
| HOUSTON | $356,362 | $456,275 | $551,500 | $685,400 |
| HOWARD | $356,362 | $456,275 | $551,500 | $685,400 |
| HUDSPETH | $356,362 | $456,275 | $551,500 | $685,400 |
| HUNT | $411,700 | $527,050 | $637,050 | $791,750 |
| HUTCHINSON | $356,362 | $456,275 | $551,500 | $685,400 |
| IRION | $356,362 | $456,275 | $551,500 | $685,400 |
| JACK | $356,362 | $456,275 | $551,500 | $685,400 |
| JACKSON | $356,362 | $456,275 | $551,500 | $685,400 |
| JASPER | $356,362 | $456,275 | $551,500 | $685,400 |
| JEFF DAVIS | $356,362 | $456,275 | $551,500 | $685,400 |
| JEFFERSON | $356,362 | $456,275 | $551,500 | $685,400 |
| JIM HOGG | $356,362 | $456,275 | $551,500 | $685,400 |
| JIM WELLS | $356,362 | $456,275 | $551,500 | $685,400 |
| JOHNSON | $411,700 | $527,050 | $637,050 | $791,750 |
| JONES | $356,362 | $456,275 | $551,500 | $685,400 |
| KARNES | $356,362 | $456,275 | $551,500 | $685,400 |
| KAUFMAN | $411,700 | $527,050 | $637,050 | $791,750 |
| KENDALL | $403,650 | $516,750 | $624,600 | $776,250 |
| KENEDY | $356,362 | $456,275 | $551,500 | $685,400 |
| KENT | $356,362 | $456,275 | $551,500 | $685,400 |
| KERR | $356,362 | $456,275 | $551,500 | $685,400 |
| KIMBLE | $356,362 | $456,275 | $551,500 | $685,400 |
| KING | $356,362 | $456,275 | $551,500 | $685,400 |
| KINNEY | $356,362 | $456,275 | $551,500 | $685,400 |
| KLEBERG | $356,362 | $456,275 | $551,500 | $685,400 |
| KNOX | $356,362 | $456,275 | $551,500 | $685,400 |
| LA SALLE | $356,362 | $456,275 | $551,500 | $685,400 |
| LAMAR | $356,362 | $456,275 | $551,500 | $685,400 |
| LAMB | $356,362 | $456,275 | $551,500 | $685,400 |
| LAMPASAS | $356,362 | $456,275 | $551,500 | $685,400 |
| LAVACA | $356,362 | $456,275 | $551,500 | $685,400 |
| LEE | $356,362 | $456,275 | $551,500 | $685,400 |
| LEON | $356,362 | $456,275 | $551,500 | $685,400 |
| LIBERTY | $356,362 | $456,275 | $551,500 | $685,400 |
| LIMESTONE | $356,362 | $456,275 | $551,500 | $685,400 |
| LIPSCOMB | $356,362 | $456,275 | $551,500 | $685,400 |
| LIVE OAK | $356,362 | $456,275 | $551,500 | $685,400 |
| LLANO | $356,362 | $456,275 | $551,500 | $685,400 |
| LOVING | $356,362 | $456,275 | $551,500 | $685,400 |
| LUBBOCK | $356,362 | $456,275 | $551,500 | $685,400 |
| LYNN | $356,362 | $456,275 | $551,500 | $685,400 |
| MADISON | $356,362 | $456,275 | $551,500 | $685,400 |
| MARION | $356,362 | $456,275 | $551,500 | $685,400 |
| MARTIN | $356,362 | $456,275 | $551,500 | $685,400 |
| MASON | $356,362 | $456,275 | $551,500 | $685,400 |
| MATAGORDA | $356,362 | $456,275 | $551,500 | $685,400 |
| MAVERICK | $356,362 | $456,275 | $551,500 | $685,400 |
| MCCULLOCH | $356,362 | $456,275 | $551,500 | $685,400 |
| MCLENNAN | $356,362 | $456,275 | $551,500 | $685,400 |
| MCMULLEN | $356,362 | $456,275 | $551,500 | $685,400 |
| MEDINA | $403,650 | $516,750 | $624,600 | $776,250 |
| MENARD | $356,362 | $456,275 | $551,500 | $685,400 |
| MIDLAND | $356,362 | $456,275 | $551,500 | $685,400 |
| MILAM | $356,362 | $456,275 | $551,500 | $685,400 |
| MILLS | $356,362 | $456,275 | $551,500 | $685,400 |
| MITCHELL | $356,362 | $456,275 | $551,500 | $685,400 |
| MONTAGUE | $356,362 | $456,275 | $551,500 | $685,400 |
| MONTGOMERY | $356,362 | $456,275 | $551,500 | $685,400 |
| MOORE | $356,362 | $456,275 | $551,500 | $685,400 |
| MORRIS | $356,362 | $456,275 | $551,500 | $685,400 |
| MOTLEY | $356,362 | $456,275 | $551,500 | $685,400 |
| NACOGDOCHES | $356,362 | $456,275 | $551,500 | $685,400 |
| NAVARRO | $356,362 | $456,275 | $551,500 | $685,400 |
| NEWTON | $356,362 | $456,275 | $551,500 | $685,400 |
| NOLAN | $356,362 | $456,275 | $551,500 | $685,400 |
| NUECES | $356,362 | $456,275 | $551,500 | $685,400 |
| OCHILTREE | $356,362 | $456,275 | $551,500 | $685,400 |
| OLDHAM | $356,362 | $456,275 | $551,500 | $685,400 |
| ORANGE | $356,362 | $456,275 | $551,500 | $685,400 |
| PALO PINTO | $356,362 | $456,275 | $551,500 | $685,400 |
| PANOLA | $356,362 | $456,275 | $551,500 | $685,400 |
| PARKER | $411,700 | $527,050 | $637,050 | $791,750 |
| PARMER | $356,362 | $456,275 | $551,500 | $685,400 |
| PECOS | $356,362 | $456,275 | $551,500 | $685,400 |
| POLK | $356,362 | $456,275 | $551,500 | $685,400 |
| POTTER | $356,362 | $456,275 | $551,500 | $685,400 |
| PRESIDIO | $356,362 | $456,275 | $551,500 | $685,400 |
| RAINS | $356,362 | $456,275 | $551,500 | $685,400 |
| RANDALL | $356,362 | $456,275 | $551,500 | $685,400 |
| REAGAN | $356,362 | $456,275 | $551,500 | $685,400 |
| REAL | $356,362 | $456,275 | $551,500 | $685,400 |
| RED RIVER | $356,362 | $456,275 | $551,500 | $685,400 |
| REEVES | $356,362 | $456,275 | $551,500 | $685,400 |
| REFUGIO | $356,362 | $456,275 | $551,500 | $685,400 |
| ROBERTS | $356,362 | $456,275 | $551,500 | $685,400 |
| ROBERTSON | $356,362 | $456,275 | $551,500 | $685,400 |
| ROCKWALL | $411,700 | $527,050 | $637,050 | $791,750 |
| RUNNELS | $356,362 | $456,275 | $551,500 | $685,400 |
| RUSK | $356,362 | $456,275 | $551,500 | $685,400 |
| SABINE | $356,362 | $456,275 | $551,500 | $685,400 |
| SAN AUGUSTINE | $356,362 | $456,275 | $551,500 | $685,400 |
| SAN JACINTO | $356,362 | $456,275 | $551,500 | $685,400 |
| SAN PATRICIO | $356,362 | $456,275 | $551,500 | $685,400 |
| SAN SABA | $356,362 | $456,275 | $551,500 | $685,400 |
| SCHLEICHER | $356,362 | $456,275 | $551,500 | $685,400 |
| SCURRY | $356,362 | $456,275 | $551,500 | $685,400 |
| SHACKELFORD | $356,362 | $456,275 | $551,500 | $685,400 |
| SHELBY | $356,362 | $456,275 | $551,500 | $685,400 |
| SHERMAN | $356,362 | $456,275 | $551,500 | $685,400 |
| SMITH | $356,362 | $456,275 | $551,500 | $685,400 |
| SOMERVELL | $356,362 | $456,275 | $551,500 | $685,400 |
| STARR | $356,362 | $456,275 | $551,500 | $685,400 |
| STEPHENS | $356,362 | $456,275 | $551,500 | $685,400 |
| STERLING | $356,362 | $456,275 | $551,500 | $685,400 |
| STONEWALL | $356,362 | $456,275 | $551,500 | $685,400 |
| SUTTON | $356,362 | $456,275 | $551,500 | $685,400 |
| SWISHER | $356,362 | $456,275 | $551,500 | $685,400 |
| TARRANT | $411,700 | $527,050 | $637,050 | $791,750 |
| TAYLOR | $356,362 | $456,275 | $551,500 | $685,400 |
| TERRELL | $356,362 | $456,275 | $551,500 | $685,400 |
| TERRY | $356,362 | $456,275 | $551,500 | $685,400 |
| THROCKMORTON | $356,362 | $456,275 | $551,500 | $685,400 |
| TITUS | $356,362 | $456,275 | $551,500 | $685,400 |
| TOM GREEN | $356,362 | $456,275 | $551,500 | $685,400 |
| TRAVIS | $416,300 | $532,950 | $644,200 | $800,600 |
| TRINITY | $356,362 | $456,275 | $551,500 | $685,400 |
| TYLER | $356,362 | $456,275 | $551,500 | $685,400 |
| UPSHUR | $356,362 | $456,275 | $551,500 | $685,400 |
| UPTON | $356,362 | $456,275 | $551,500 | $685,400 |
| UVALDE | $356,362 | $456,275 | $551,500 | $685,400 |
| VAL VERDE | $356,362 | $456,275 | $551,500 | $685,400 |
| VAN ZANDT | $356,362 | $456,275 | $551,500 | $685,400 |
| VICTORIA | $356,362 | $456,275 | $551,500 | $685,400 |
| WALKER | $356,362 | $456,275 | $551,500 | $685,400 |
| WALLER | $356,362 | $456,275 | $551,500 | $685,400 |
| WARD | $356,362 | $456,275 | $551,500 | $685,400 |
| WASHINGTON | $356,362 | $456,275 | $551,500 | $685,400 |
| WEBB | $356,362 | $456,275 | $551,500 | $685,400 |
| WHARTON | $356,362 | $456,275 | $551,500 | $685,400 |
| WHEELER | $356,362 | $456,275 | $551,500 | $685,400 |
| WICHITA | $356,362 | $456,275 | $551,500 | $685,400 |
| WILBARGER | $356,362 | $456,275 | $551,500 | $685,400 |
| WILLACY | $356,362 | $456,275 | $551,500 | $685,400 |
| WILLIAMSON | $416,300 | $532,950 | $644,200 | $800,600 |
| WILSON | $403,650 | $516,750 | $624,600 | $776,250 |
| WINKLER | $356,362 | $456,275 | $551,500 | $685,400 |
| WISE | $411,700 | $527,050 | $637,050 | $791,750 |
| WOOD | $356,362 | $456,275 | $551,500 | $685,400 |
| YOAKUM | $356,362 | $456,275 | $551,500 | $685,400 |
| YOUNG | $356,362 | $456,275 | $551,500 | $685,400 |
| ZAPATA | $356,362 | $456,275 | $551,500 | $685,400 |
| ZAVALA | $356,362 | $456,275 | $551,500 | $685,400 |
