FHA Loan Limits in Ector County, Texas (2026)
Ector County and the rest of Ector 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 |
Every community in Ector County — Ector County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Harris and Dallas Counties.
How much home can you afford in Ector County?
Homes around Ector County carry an estimated local median near $353,000, so an FHA buyer in Ector County puts down about $12,355 (3.5%). With Texas's 1.68% effective property-tax rate, the all-in payment runs near $2,901 a month — comfortable on household income around $112,000, above Texas's $73,035 median household income, so budget carefully.
FHA payment scenarios in Ector County
Whether you are buying in Ector County or a smaller Ector 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 — $254,000 | $8,890 | $2,120 |
| Local median — $353,000 | $12,355 | $2,901 |
| At the FHA limit — $541,287 | $18,945 | $4,386 |
Estimates include FHA MIP plus Texas property taxes and insurance. Rates move daily near Ector County too — get notified.
Buyers across Ector County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $12,355 down payment near Ector County into little out of pocket.
Multi-unit FHA limits in Ector County
Investors and house-hackers in Ector County and across Ector 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 Ector County for 2026?
- In Ector County (Ector 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 Ector County with FHA?
- For a median-priced ($353,000) Ector County home, plan on income around $112,000 at a 31% housing ratio — about $2,901/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Ector County?
- 3.5% with a 580+ score — roughly $12,355 on a $353,000 Ector County-area home. Gift funds are allowed.
- Is Ector County a high-cost FHA area?
- No — Ector County uses the $541,287 national floor for one unit.