{
  "schema_version": 1,
  "dataset_id": "texas-fha-loan-limits-2026",
  "title": "2026 Texas FHA Loan Limits by County",
  "description": "FHA forward mortgage loan limits for one- through four-unit properties in all 254 Texas counties.",
  "version": "2026.1",
  "published_date": "2026-08-31",
  "effective_date": "2026-01-01",
  "source_retrieved_date": "2026-05-11",
  "record_count": 254,
  "source": {
    "agency": "U.S. Department of Housing and Urban Development",
    "data_file": "HUD CHUMS cy2026-forward-limits.txt",
    "data_url": "https://apps.hud.gov/pub/chums/cy2026-forward-limits.txt",
    "mortgagee_letter": "ML 2025-23 (Dec 11, 2025)",
    "mortgagee_letter_url": "https://www.hud.gov/sites/dfiles/hudclips/documents/2025-23hsgml.pdf"
  },
  "license": {
    "name": "Creative Commons Attribution 4.0 International",
    "url": "https://creativecommons.org/licenses/by/4.0/"
  },
  "fields": {
    "state_fips": "Two-digit state FIPS code",
    "county_fips": "Three-digit county FIPS code",
    "county_geoid": "Five-digit state and county GEOID",
    "metro_area": "HUD county data metro-area label",
    "limit_type": "HUD limit classification",
    "one_unit_limit_usd": "Maximum FHA-insured forward mortgage amount for a one-unit property, in U.S. dollars",
    "two_unit_limit_usd": "Maximum FHA-insured forward mortgage amount for a two-unit property, in U.S. dollars",
    "three_unit_limit_usd": "Maximum FHA-insured forward mortgage amount for a three-unit property, in U.S. dollars",
    "four_unit_limit_usd": "Maximum FHA-insured forward mortgage amount for a four-unit property, in U.S. dollars"
  },
  "counties": [
    {
      "state_fips": "48",
      "county_fips": "001",
      "county_geoid": "48001",
      "state": "Texas",
      "state_abbreviation": "TX",
      "county": "Anderson County",
      "metro_area": "Palestine",
      "limit_type": "Standard",
      "one_unit_limit_usd": 541287,
      "two_unit_limit_usd": 693050,
      "three_unit_limit_usd": 837700,
      "four_unit_limit_usd": 1041125,
      "effective_date": "2026-01-01",
      "source_retrieved_date": "2026-05-11",
      "dataset_version": "2026.1"
    },
    {
      "state_fips": "48",
      "county_fips": "003",
      "county_geoid": "48003",
      "state": "Texas",
      "state_abbreviation": "TX",
      "county": "Andrews County",
      "metro_area": "Andrews",
      "limit_type": "Standard",
      "one_unit_limit_usd": 541287,
      "two_unit_limit_usd": 693050,
      "three_unit_limit_usd": 837700,
      "four_unit_limit_usd": 1041125,
      "effective_date": "2026-01-01",
      "source_retrieved_date": "2026-05-11",
      "dataset_version": "2026.1"
    },
    {
      "state_fips": "48",
      "county_fips": "005",
      "county_geoid": "48005",
      "state": "Texas",
      "state_abbreviation": "TX",
      "county": "Angelina County",
      "metro_area": "Lufkin",
      "limit_type": "Standard",
      "one_unit_limit_usd": 541287,
      "two_unit_limit_usd": 693050,
      "three_unit_limit_usd": 837700,
      "four_unit_limit_usd": 1041125,
      "effective_date": "2026-01-01",
      "source_retrieved_date": "2026-05-11",
      "dataset_version": "2026.1"
    },
    {
      "state_fips": "48",
      "county_fips": "007",
      "county_geoid": "48007",
      "state": "Texas",
      "state_abbreviation": "TX",
      "county": "Aransas County",
      "metro_area": "Corpus Christi",
      "limit_type": "Standard",
      "one_unit_limit_usd": 541287,
      "two_unit_limit_usd": 693050,
      "three_unit_limit_usd": 837700,
      "four_unit_limit_usd": 1041125,
      "effective_date": "2026-01-01",
      "source_retrieved_date": "2026-05-11",
      "dataset_version": "2026.1"
    },
    {
      "state_fips": "48",
      "county_fips": "009",
      "county_geoid": "48009",
      "state": "Texas",
      "state_abbreviation": "TX",
      "county": "Archer County",
      "metro_area": "Wichita Falls",
      "limit_type": "Standard",
      "one_unit_limit_usd": 541287,
      "two_unit_limit_usd": 693050,
      "three_unit_limit_usd": 837700,
      "four_unit_limit_usd": 1041125,
      "effective_date": "2026-01-01",
      "source_retrieved_date": "2026-05-11",
      "dataset_version": "2026.1"
    },
    {
      "state_fips": "48",
      "county_fips": "011",
      "county_geoid": "48011",
      "state": "Texas",
      "state_abbreviation": "TX",
      "county": "Armstrong County",
      "metro_area": "Amarillo",
      "limit_type": "Standard",
      "one_unit_limit_usd": 541287,
      "two_unit_limit_usd": 693050,
      "three_unit_limit_usd": 837700,
      "four_unit_limit_usd": 1041125,
      "effective_date": "2026-01-01",
      "source_retrieved_date": "2026-05-11",
      "dataset_version": "2026.1"
    },
    {
      "state_fips": "48",
      "county_fips": "013",
      "county_geoid": "48013",
      "state": "Texas",
      "state_abbreviation": "TX",
      "county": "Atascosa County",
      "metro_area": "San Antonio-New Braunfels",
      "limit_type": "High Cost",
      "one_unit_limit_usd": 557750,
      "two_unit_limit_usd": 714000,
      "three_unit_limit_usd": 863100,
      "four_unit_limit_usd": 1072600,
      "effective_date": "2026-01-01",
      "source_retrieved_date": "2026-05-11",
      "dataset_version": "2026.1"
    },
    {
      "state_fips": "48",
      "county_fips": "015",
      "county_geoid": "48015",
      "state": "Texas",
      "state_abbreviation": "TX",
      "county": "Austin County",
      "metro_area": "Houston-Pasadena-The Woodlands",
      "limit_type": "Standard",
      "one_unit_limit_usd": 541287,
      "two_unit_limit_usd": 693050,
      "three_unit_limit_usd": 837700,
      "four_unit_limit_usd": 1041125,
      "effective_date": "2026-01-01",
      "source_retrieved_date": "2026-05-11",
      "dataset_version": "2026.1"
    },
    {
      "state_fips": "48",
      "county_fips": "017",
      "county_geoid": "48017",
      "state": "Texas",
      "state_abbreviation": "TX",
      "county": "Bailey County",
      "metro_area": "Non-Metro",
      "limit_type": "Standard",
      "one_unit_limit_usd": 541287,
      "two_unit_limit_usd": 693050,
      "three_unit_limit_usd": 837700,
      "four_unit_limit_usd": 1041125,
      "effective_date": "2026-01-01",
      "source_retrieved_date": "2026-05-11",
      "dataset_version": "2026.1"
    },
    {
      "state_fips": "48",
      "county_fips": "019",
      "county_geoid": "48019",
      "state": "Texas",
      "state_abbreviation": "TX",
      "county": "Bandera County",
      "metro_area": "San Antonio-New Braunfels",
      "limit_type": "High Cost",
      "one_unit_limit_usd": 557750,
      "two_unit_limit_usd": 714000,
      "three_unit_limit_usd": 863100,
      "four_unit_limit_usd": 1072600,
      "effective_date": "2026-01-01",
      "source_retrieved_date": "2026-05-11",
      "dataset_version": "2026.1"
    },
    {
      "state_fips": "48",
      "county_fips": "021",
      "county_geoid": "48021",
      "state": "Texas",
      "state_abbreviation": "TX",
      "county": "Bastrop County",
      "metro_area": "Austin-Round Rock-San Marcos",
      "limit_type": "High Cost",
      "one_unit_limit_usd": 571550,
      "two_unit_limit_usd": 731700,
      "three_unit_limit_usd": 884450,
      "four_unit_limit_usd": 1099150,
      "effective_date": "2026-01-01",
      "source_retrieved_date": "2026-05-11",
      "dataset_version": "2026.1"
    },
    {
      "state_fips": "48",
      "county_fips": "023",
      "county_geoid": "48023",
      "state": "Texas",
      "state_abbreviation": "TX",
      "county": "Baylor County",
      "metro_area": "Non-Metro",
      "limit_type": "Standard",
      "one_unit_limit_usd": 541287,
      "two_unit_limit_usd": 693050,
      "three_unit_limit_usd": 837700,
      "four_unit_limit_usd": 1041125,
      "effective_date": "2026-01-01",
      "source_retrieved_date": "2026-05-11",
      "dataset_version": "2026.1"
    },
    {
      "state_fips": "48",
      "county_fips": "025",
      "county_geoid": "48025",
      "state": "Texas",
      "state_abbreviation": "TX",
      "county": "Bee County",
      "metro_area": "Beeville",
      "limit_type": "Standard",
      "one_unit_limit_usd": 541287,
      "two_unit_limit_usd": 693050,
      "three_unit_limit_usd": 837700,
      "four_unit_limit_usd": 1041125,
      "effective_date": "2026-01-01",
      "source_retrieved_date": "2026-05-11",
      "dataset_version": "2026.1"
    },
    {
      "state_fips": "48",
      "county_fips": "027",
      "county_geoid": "48027",
      "state": "Texas",
      "state_abbreviation": "TX",
      "county": "Bell County",
      "metro_area": "Killeen-Temple",
      "limit_type": "Standard",
      "one_unit_limit_usd": 541287,
      "two_unit_limit_usd": 693050,
      "three_unit_limit_usd": 837700,
      "four_unit_limit_usd": 1041125,
      "effective_date": "2026-01-01",
      "source_retrieved_date": "2026-05-11",
      "dataset_version": "2026.1"
    },
    {
      "state_fips": "48",
      "county_fips": "029",
      "county_geoid": "48029",
      "state": "Texas",
      "state_abbreviation": "TX",
      "county": "Bexar County",
      "metro_area": "San Antonio-New Braunfels",
      "limit_type": "High Cost",
      "one_unit_limit_usd": 557750,
      "two_unit_limit_usd": 714000,
      "three_unit_limit_usd": 863100,
      "four_unit_limit_usd": 1072600,
      "effective_date": "2026-01-01",
      "source_retrieved_date": "2026-05-11",
      "dataset_version": "2026.1"
    },
    {
      "state_fips": "48",
      "county_fips": "031",
      "county_geoid": "48031",
      "state": "Texas",
      "state_abbreviation": "TX",
      "county": "Blanco County",
      "metro_area": "Non-Metro",
      "limit_type": "Standard",
      "one_unit_limit_usd": 541287,
      "two_unit_limit_usd": 693050,
      "three_unit_limit_usd": 837700,
      "four_unit_limit_usd": 1041125,
      "effective_date": "2026-01-01",
      "source_retrieved_date": "2026-05-11",
      "dataset_version": "2026.1"
    },
    {
      "state_fips": "48",
      "county_fips": "033",
      "county_geoid": "48033",
      "state": "Texas",
      "state_abbreviation": "TX",
      "county": "Borden County",
      "metro_area": "Non-Metro",
      "limit_type": "Standard",
      "one_unit_limit_usd": 541287,
      "two_unit_limit_usd": 693050,
      "three_unit_limit_usd": 837700,
      "four_unit_limit_usd": 1041125,
      "effective_date": "2026-01-01",
      "source_retrieved_date": "2026-05-11",
      "dataset_version": "2026.1"
    },
    {
      "state_fips": "48",
      "county_fips": "035",
      "county_geoid": "48035",
      "state": "Texas",
      "state_abbreviation": "TX",
      "county": "Bosque County",
      "metro_area": "Waco",
      "limit_type": "Standard",
      "one_unit_limit_usd": 541287,
      "two_unit_limit_usd": 693050,
      "three_unit_limit_usd": 837700,
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      "effective_date": "2026-01-01",
      "source_retrieved_date": "2026-05-11",
      "dataset_version": "2026.1"
    },
    {
      "state_fips": "48",
      "county_fips": "037",
      "county_geoid": "48037",
      "state": "Texas",
      "state_abbreviation": "TX",
      "county": "Bowie County",
      "metro_area": "Texarkana, Tx-Ar",
      "limit_type": "Standard",
      "one_unit_limit_usd": 541287,
      "two_unit_limit_usd": 693050,
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      "effective_date": "2026-01-01",
      "source_retrieved_date": "2026-05-11",
      "dataset_version": "2026.1"
    },
    {
      "state_fips": "48",
      "county_fips": "039",
      "county_geoid": "48039",
      "state": "Texas",
      "state_abbreviation": "TX",
      "county": "Brazoria County",
      "metro_area": "Houston-Pasadena-The Woodlands",
      "limit_type": "Standard",
      "one_unit_limit_usd": 541287,
      "two_unit_limit_usd": 693050,
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      "dataset_version": "2026.1"
    },
    {
      "state_fips": "48",
      "county_fips": "041",
      "county_geoid": "48041",
      "state": "Texas",
      "state_abbreviation": "TX",
      "county": "Brazos County",
      "metro_area": "College Station-Bryan",
      "limit_type": "Standard",
      "one_unit_limit_usd": 541287,
      "two_unit_limit_usd": 693050,
      "three_unit_limit_usd": 837700,
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      "effective_date": "2026-01-01",
      "source_retrieved_date": "2026-05-11",
      "dataset_version": "2026.1"
    },
    {
      "state_fips": "48",
      "county_fips": "043",
      "county_geoid": "48043",
      "state": "Texas",
      "state_abbreviation": "TX",
      "county": "Brewster County",
      "metro_area": "Non-Metro",
      "limit_type": "Standard",
      "one_unit_limit_usd": 541287,
      "two_unit_limit_usd": 693050,
      "three_unit_limit_usd": 837700,
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      "effective_date": "2026-01-01",
      "source_retrieved_date": "2026-05-11",
      "dataset_version": "2026.1"
    },
    {
      "state_fips": "48",
      "county_fips": "045",
      "county_geoid": "48045",
      "state": "Texas",
      "state_abbreviation": "TX",
      "county": "Briscoe County",
      "metro_area": "Non-Metro",
      "limit_type": "Standard",
      "one_unit_limit_usd": 541287,
      "two_unit_limit_usd": 693050,
      "three_unit_limit_usd": 837700,
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      "effective_date": "2026-01-01",
      "source_retrieved_date": "2026-05-11",
      "dataset_version": "2026.1"
    },
    {
      "state_fips": "48",
      "county_fips": "047",
      "county_geoid": "48047",
      "state": "Texas",
      "state_abbreviation": "TX",
      "county": "Brooks County",
      "metro_area": "Alice",
      "limit_type": "Standard",
      "one_unit_limit_usd": 541287,
      "two_unit_limit_usd": 693050,
      "three_unit_limit_usd": 837700,
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      "effective_date": "2026-01-01",
      "source_retrieved_date": "2026-05-11",
      "dataset_version": "2026.1"
    },
    {
      "state_fips": "48",
      "county_fips": "049",
      "county_geoid": "48049",
      "state": "Texas",
      "state_abbreviation": "TX",
      "county": "Brown County",
      "metro_area": "Brownwood",
      "limit_type": "Standard",
      "one_unit_limit_usd": 541287,
      "two_unit_limit_usd": 693050,
      "three_unit_limit_usd": 837700,
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      "effective_date": "2026-01-01",
      "source_retrieved_date": "2026-05-11",
      "dataset_version": "2026.1"
    },
    {
      "state_fips": "48",
      "county_fips": "051",
      "county_geoid": "48051",
      "state": "Texas",
      "state_abbreviation": "TX",
      "county": "Burleson County",
      "metro_area": "College Station-Bryan",
      "limit_type": "Standard",
      "one_unit_limit_usd": 541287,
      "two_unit_limit_usd": 693050,
      "three_unit_limit_usd": 837700,
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      "effective_date": "2026-01-01",
      "source_retrieved_date": "2026-05-11",
      "dataset_version": "2026.1"
    },
    {
      "state_fips": "48",
      "county_fips": "053",
      "county_geoid": "48053",
      "state": "Texas",
      "state_abbreviation": "TX",
      "county": "Burnet County",
      "metro_area": "Non-Metro",
      "limit_type": "Standard",
      "one_unit_limit_usd": 541287,
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      "effective_date": "2026-01-01",
      "source_retrieved_date": "2026-05-11",
      "dataset_version": "2026.1"
    },
    {
      "state_fips": "48",
      "county_fips": "055",
      "county_geoid": "48055",
      "state": "Texas",
      "state_abbreviation": "TX",
      "county": "Caldwell County",
      "metro_area": "Austin-Round Rock-San Marcos",
      "limit_type": "High Cost",
      "one_unit_limit_usd": 571550,
      "two_unit_limit_usd": 731700,
      "three_unit_limit_usd": 884450,
      "four_unit_limit_usd": 1099150,
      "effective_date": "2026-01-01",
      "source_retrieved_date": "2026-05-11",
      "dataset_version": "2026.1"
    },
    {
      "state_fips": "48",
      "county_fips": "057",
      "county_geoid": "48057",
      "state": "Texas",
      "state_abbreviation": "TX",
      "county": "Calhoun County",
      "metro_area": "Port Lavaca",
      "limit_type": "Standard",
      "one_unit_limit_usd": 541287,
      "two_unit_limit_usd": 693050,
      "three_unit_limit_usd": 837700,
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      "effective_date": "2026-01-01",
      "source_retrieved_date": "2026-05-11",
      "dataset_version": "2026.1"
    },
    {
      "state_fips": "48",
      "county_fips": "059",
      "county_geoid": "48059",
      "state": "Texas",
      "state_abbreviation": "TX",
      "county": "Callahan County",
      "metro_area": "Abilene",
      "limit_type": "Standard",
      "one_unit_limit_usd": 541287,
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      "effective_date": "2026-01-01",
      "source_retrieved_date": "2026-05-11",
      "dataset_version": "2026.1"
    },
    {
      "state_fips": "48",
      "county_fips": "061",
      "county_geoid": "48061",
      "state": "Texas",
      "state_abbreviation": "TX",
      "county": "Cameron County",
      "metro_area": "Brownsville-Harlingen",
      "limit_type": "Standard",
      "one_unit_limit_usd": 541287,
      "two_unit_limit_usd": 693050,
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      "effective_date": "2026-01-01",
      "source_retrieved_date": "2026-05-11",
      "dataset_version": "2026.1"
    },
    {
      "state_fips": "48",
      "county_fips": "063",
      "county_geoid": "48063",
      "state": "Texas",
      "state_abbreviation": "TX",
      "county": "Camp County",
      "metro_area": "Mount Pleasant",
      "limit_type": "Standard",
      "one_unit_limit_usd": 541287,
      "two_unit_limit_usd": 693050,
      "three_unit_limit_usd": 837700,
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      "effective_date": "2026-01-01",
      "source_retrieved_date": "2026-05-11",
      "dataset_version": "2026.1"
    },
    {
      "state_fips": "48",
      "county_fips": "065",
      "county_geoid": "48065",
      "state": "Texas",
      "state_abbreviation": "TX",
      "county": "Carson County",
      "metro_area": "Amarillo",
      "limit_type": "Standard",
      "one_unit_limit_usd": 541287,
      "two_unit_limit_usd": 693050,
      "three_unit_limit_usd": 837700,
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      "effective_date": "2026-01-01",
      "source_retrieved_date": "2026-05-11",
      "dataset_version": "2026.1"
    },
    {
      "state_fips": "48",
      "county_fips": "067",
      "county_geoid": "48067",
      "state": "Texas",
      "state_abbreviation": "TX",
      "county": "Cass County",
      "metro_area": "Non-Metro",
      "limit_type": "Standard",
      "one_unit_limit_usd": 541287,
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}