FHA Loan Limits in Brazos County, Texas (2026)
Brazos County and the rest of Brazos County, Texas fall under a 2026 one-unit FHA limit of $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 Brazos County, from Brazos County outward, and sit alongside the limits set for neighboring Harris and Dallas Counties.
How much home can you afford in Brazos County?
Homes around Brazos County carry an estimated local median near $298,000, so an FHA buyer in Brazos County puts down about $10,430 (3.5%). With Texas's 1.68% effective property-tax rate, the all-in payment runs near $2,467 a month — comfortable on household income around $96,000, above Texas's $73,035 median household income, so budget carefully.
FHA payment scenarios in Brazos County
Whether you are buying in Brazos County or a smaller Brazos 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 — $215,000 | $7,525 | $1,813 |
| Local median — $298,000 | $10,430 | $2,467 |
| At the FHA limit — $541,287 | $18,945 | $4,386 |
Estimates include FHA MIP plus Texas property taxes and insurance. Rates move daily near Brazos County too — get notified.
In Brazos County and the surrounding Brazos County market, FHA's appeal is the math: $10,430 down on a $298,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Brazos County
Investors and house-hackers in Brazos County and across Brazos 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 Brazos County for 2026?
- In Brazos County (Brazos 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 Brazos County with FHA?
- For a median-priced ($298,000) Brazos County home, plan on income around $96,000 at a 31% housing ratio — about $2,467/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Brazos County?
- 3.5% with a 580+ score — roughly $10,430 on a $298,000 Brazos County-area home. Gift funds are allowed.
- Is Brazos County a high-cost FHA area?
- No — Brazos County uses the $541,287 national floor for one unit.