FHA Loan Limits in Gregg County, Texas (2026)
Buying in Gregg County or elsewhere in Gregg 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 |
Every community in Gregg County — Gregg County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Harris and Dallas Counties.
FHA affordability around Gregg County
Homes around Gregg County carry an estimated local median near $327,000, so an FHA buyer in Gregg County puts down about $11,445 (3.5%). With Texas's 1.68% effective property-tax rate, the all-in payment runs near $2,696 a month — comfortable on household income around $104,000, above Texas's $73,035 median household income, so budget carefully.
FHA payment scenarios in Gregg County
Whether you are buying in Gregg County or a smaller Gregg 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 — $235,000 | $8,225 | $1,970 |
| Local median — $327,000 | $11,445 | $2,696 |
| At the FHA limit — $541,287 | $18,945 | $4,386 |
Estimates include FHA MIP plus Texas property taxes and insurance. Rates move daily near Gregg County too — get notified.
Buyers across Gregg County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $11,445 down payment near Gregg County into little out of pocket.
Multi-unit FHA limits in Gregg County
Investors and house-hackers in Gregg County and across Gregg 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 Gregg County for 2026?
- In Gregg County (Gregg 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 Gregg County with FHA?
- For a median-priced ($327,000) Gregg County home, plan on income around $104,000 at a 31% housing ratio — about $2,696/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Gregg County?
- 3.5% with a 580+ score — roughly $11,445 on a $327,000 Gregg County-area home. Gift funds are allowed.
- Is Gregg County a high-cost FHA area?
- No — Gregg County uses the $541,287 national floor for one unit.