FHA Loan Limits in Fort Bend County, Texas (2026)
Buying in Fort Bend County or elsewhere in Fort Bend 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 |
These 2026 limits apply throughout Fort Bend County, from Fort Bend County outward, and sit alongside the limits set for neighboring Harris and Dallas Counties.
FHA affordability around Fort Bend County
With Fort Bend County's median sale price estimated near $400,000 (think Fort Bend County), the FHA down payment is roughly $14,000. Factoring Texas property taxes near 1.68%, expect about $3,272 monthly, pointing to income near $127,000 — above Texas's $73,035 median household income, so budget carefully.
FHA payment scenarios in Fort Bend County
Whether you are buying in Fort Bend County or a smaller Fort Bend 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 — $288,000 | $10,080 | $2,388 |
| Local median — $400,000 | $14,000 | $3,272 |
| At the FHA limit — $541,287 | $18,945 | $4,386 |
Estimates include FHA MIP plus Texas property taxes and insurance. Rates move daily near Fort Bend County too — get notified.
In Fort Bend County and the surrounding Fort Bend County market, FHA's appeal is the math: $14,000 down on a $400,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Fort Bend County
Investors and house-hackers in Fort Bend County and across Fort Bend 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 Fort Bend County for 2026?
- In Fort Bend County (Fort Bend 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 Fort Bend County with FHA?
- For a median-priced ($400,000) Fort Bend County home, plan on income around $127,000 at a 31% housing ratio — about $3,272/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Fort Bend County?
- 3.5% with a 580+ score — roughly $14,000 on a $400,000 Fort Bend County-area home. Gift funds are allowed.
- Is Fort Bend County a high-cost FHA area?
- No — Fort Bend County uses the $541,287 national floor for one unit.