FHA Loan Limits in Brazoria County, Texas (2026)
In Brazoria County — anchored by Brazoria County — the 2026 FHA loan limit for a single-family home is $541,287. 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 Brazoria County, from Brazoria County outward, and sit alongside the limits set for neighboring Harris and Dallas Counties.
Affording a home in Brazoria County & Brazoria County
Homes around Brazoria County carry an estimated local median near $360,000, so an FHA buyer in Brazoria County puts down about $12,600 (3.5%). With Texas's 1.68% effective property-tax rate, the all-in payment runs near $2,956 a month — comfortable on household income around $114,000, above Texas's $73,035 median household income, so budget carefully.
FHA payment scenarios in Brazoria County
Whether you are buying in Brazoria County or a smaller Brazoria County community, here is how an FHA payment scales by price (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $259,000 | $9,065 | $2,160 |
| Local median — $360,000 | $12,600 | $2,956 |
| At the FHA limit — $541,287 | $18,945 | $4,386 |
Estimates include FHA MIP plus Texas property taxes and insurance. Rates move daily near Brazoria County too — get notified.
In Brazoria County and the surrounding Brazoria County market, FHA's appeal is the math: $12,600 down on a $360,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Brazoria County
Investors and house-hackers in Brazoria County and across Brazoria County can finance 2-4 unit homes with FHA at just 3.5% down: $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
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Frequently Asked Questions
- What is the FHA loan limit in Brazoria County for 2026?
- In Brazoria County (Brazoria 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 Brazoria County with FHA?
- For a median-priced ($360,000) Brazoria County home, plan on income around $114,000 at a 31% housing ratio — about $2,956/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Brazoria County?
- 3.5% with a 580+ score — roughly $12,600 on a $360,000 Brazoria County-area home. Gift funds are allowed.
- Is Brazoria County a high-cost FHA area?
- No — Brazoria County uses the $541,287 national floor for one unit.