FHA Loan Limits in El Paso County, Texas (2026)
Buying in El Paso County or elsewhere in El Paso County? The 2026 FHA single-family limit across the county 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 El Paso County to the edges of El Paso County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Harris and Dallas Counties.
FHA affordability around El Paso County
Homes around El Paso County carry an estimated local median near $230,000, so an FHA buyer in El Paso County puts down about $8,050 (3.5%). With Texas's 1.68% effective property-tax rate, the all-in payment runs near $1,931 a month — comfortable on household income around $75,000, above Texas's $73,035 median household income, so budget carefully.
FHA payment scenarios in El Paso County
Whether you are buying in El Paso County or a smaller El Paso 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 — $166,000 | $5,810 | $1,426 |
| Local median — $230,000 | $8,050 | $1,931 |
| At the FHA limit — $541,287 | $18,945 | $4,386 |
Estimates include FHA MIP plus Texas property taxes and insurance. Rates move daily near El Paso County too — get notified.
First-time buyers make up much of FHA activity in El Paso County and across El Paso County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $8,050 needed on a median El Paso County home.
Multi-unit FHA limits in El Paso County
Investors and house-hackers in El Paso County and across El Paso 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 El Paso County for 2026?
- In El Paso County (El Paso 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 El Paso County with FHA?
- For a median-priced ($230,000) El Paso County home, plan on income around $75,000 at a 31% housing ratio — about $1,931/month including taxes, insurance, and MIP.
- How much is the FHA down payment in El Paso County?
- 3.5% with a 580+ score — roughly $8,050 on a $230,000 El Paso County-area home. Gift funds are allowed.
- Is El Paso County a high-cost FHA area?
- No — El Paso County uses the $541,287 national floor for one unit.