FHA Loan Limits in Guadalupe County, Texas (2026)
Buying in Guadalupe County or elsewhere in Guadalupe 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 Guadalupe County, from Guadalupe County outward, and sit alongside the limits set for neighboring Harris and Dallas Counties.
FHA affordability around Guadalupe County
An FHA buyer near Guadalupe County faces an estimated $304,000 median, a $10,640 down payment, and — after Texas's 1.68% property tax — a monthly cost around $2,515. That suits household income of roughly $97,000, above Texas's $73,035 median household income, so budget carefully.
FHA payment scenarios in Guadalupe County
Here is what an FHA payment looks like at three Guadalupe County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $219,000 | $7,665 | $1,844 |
| Local median — $304,000 | $10,640 | $2,515 |
| At the FHA limit — $541,287 | $18,945 | $4,386 |
Estimates include FHA MIP plus Texas property taxes and insurance. Rates move daily near Guadalupe County too — get notified.
In Guadalupe County and the surrounding Guadalupe County market, FHA's appeal is the math: $10,640 down on a $304,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Guadalupe County
Looking at a duplex or fourplex near Guadalupe County? FHA allows up to $692,997 on two units and $1,041,072 on four in Guadalupe County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in Guadalupe County for 2026?
- In Guadalupe County (Guadalupe 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 Guadalupe County with FHA?
- For a median-priced ($304,000) Guadalupe County home, plan on income around $97,000 at a 31% housing ratio — about $2,515/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Guadalupe County?
- 3.5% with a 580+ score — roughly $10,640 on a $304,000 Guadalupe County-area home. Gift funds are allowed.
- Is Guadalupe County a high-cost FHA area?
- No — Guadalupe County uses the $541,287 national floor for one unit.