FHA Loan Limits in Bell County, Texas (2026)
From Bell County, FHA buyers in Bell County can finance a one-unit home up to $541,287 with 3.5% down in 2026. That matches the national FHA floor used across most of the South.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
These 2026 limits apply throughout Bell County, from Bell County outward, and sit alongside the limits set for neighboring Harris and Dallas Counties.
What can you buy with FHA in Bell County?
With Bell County's median sale price estimated near $290,000 (think Bell County), the FHA down payment is roughly $10,150. Factoring Texas property taxes near 1.68%, expect about $2,404 monthly, pointing to income near $93,000 — above Texas's $73,035 median household income, so budget carefully.
FHA payment scenarios in Bell County
Here is what an FHA payment looks like at three Bell County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $209,000 | $7,315 | $1,765 |
| Local median — $290,000 | $10,150 | $2,404 |
| At the FHA limit — $541,287 | $18,945 | $4,386 |
Estimates include FHA MIP plus Texas property taxes and insurance. Rates move daily near Bell County too — get notified.
In Bell County and the surrounding Bell County market, FHA's appeal is the math: $10,150 down on a $290,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Bell County
Looking at a duplex or fourplex near Bell County? FHA allows up to $692,997 on two units and $1,041,072 on four in Bell County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in Bell County for 2026?
- In Bell County (Bell County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Bell County with FHA?
- For a median-priced ($290,000) Bell County home, plan on income around $93,000 at a 31% housing ratio — about $2,404/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Bell County?
- 3.5% with a 580+ score — roughly $10,150 on a $290,000 Bell County-area home. Gift funds are allowed.
- Is Bell County a high-cost FHA area?
- No — Bell County uses the $541,287 national floor for one unit.