FHA Loan Limits in Galveston County, Texas (2026)
Galveston County and the rest of Galveston 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 |
From Galveston County to the edges of Galveston County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Harris and Dallas Counties.
How much home can you afford in Galveston County?
With Galveston County's median sale price estimated near $360,000 (think Galveston County), the FHA down payment is roughly $12,600. Factoring Texas property taxes near 1.68%, expect about $2,956 monthly, pointing to income near $114,000 — above Texas's $73,035 median household income, so budget carefully.
FHA payment scenarios in Galveston County
Whether you are buying in Galveston County or a smaller Galveston 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 — $259,000 | $9,065 | $2,160 |
| Local median — $360,000 | $12,600 | $2,956 |
| At the FHA limit — $541,287 | $18,945 | $4,386 |
Estimates include FHA MIP plus Texas property taxes and insurance. Rates move daily near Galveston County too — get notified.
First-time buyers make up much of FHA activity in Galveston County and across Galveston County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $12,600 needed on a median Galveston County home.
Multi-unit FHA limits in Galveston County
Investors and house-hackers in Galveston County and across Galveston 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 Galveston County for 2026?
- In Galveston County (Galveston 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 Galveston County with FHA?
- For a median-priced ($360,000) Galveston County home, plan on income around $114,000 at a 31% housing ratio — about $2,956/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Galveston County?
- 3.5% with a 580+ score — roughly $12,600 on a $360,000 Galveston County-area home. Gift funds are allowed.
- Is Galveston County a high-cost FHA area?
- No — Galveston County uses the $541,287 national floor for one unit.