FHA Loan Limits in Comal County, Texas (2026)
In Comal County — anchored by Comal 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 |
From Comal County to the edges of Comal County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Harris and Dallas Counties.
Affording a home in Comal County & Comal County
An FHA buyer near Comal County faces an estimated $298,000 median, a $10,430 down payment, and — after Texas's 1.68% property tax — a monthly cost around $2,467. That suits household income of roughly $96,000, above Texas's $73,035 median household income, so budget carefully.
FHA payment scenarios in Comal County
Whether you are buying in Comal County or a smaller Comal 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 Comal County too — get notified.
First-time buyers make up much of FHA activity in Comal County and across Comal County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $10,430 needed on a median Comal County home.
Multi-unit FHA limits in Comal County
Investors and house-hackers in Comal County and across Comal 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.
Your Free FHA Early-Warning System
Free to join in under 30 seconds. Get notified when it is time to act.
Free to join. Msg & data rates may apply; reply STOP to opt out. See our Terms & Privacy Policy.
Frequently Asked Questions
- What is the FHA loan limit in Comal County for 2026?
- In Comal County (Comal 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 Comal County with FHA?
- For a median-priced ($298,000) Comal 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 Comal County?
- 3.5% with a 580+ score — roughly $10,430 on a $298,000 Comal County-area home. Gift funds are allowed.
- Is Comal County a high-cost FHA area?
- No — Comal County uses the $541,287 national floor for one unit.