FHA Loan Limits in Harris County, Texas (2026)
From Harris County, FHA buyers in Harris County can finance a one-unit home up to $541,287 with 3.5% down in 2026. 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 Harris County, from Harris County outward, and sit alongside the limits set for neighboring Dallas and Tarrant Counties.
What can you buy with FHA in Harris County?
Homes around Harris County carry an estimated local median near $288,000, so an FHA buyer in Harris County puts down about $10,080 (3.5%). With Texas's 1.68% effective property-tax rate, the all-in payment runs near $2,388 a month — comfortable on household income around $92,000, above Texas's $73,035 median household income, so budget carefully.
FHA payment scenarios in Harris County
FHA payments across Harris County price points — from entry homes near Harris County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $207,000 | $7,245 | $1,749 |
| Local median — $288,000 | $10,080 | $2,388 |
| At the FHA limit — $541,287 | $18,945 | $4,386 |
Estimates include FHA MIP plus Texas property taxes and insurance. Rates move daily near Harris County too — get notified.
In Harris County and the surrounding Harris County market, FHA's appeal is the math: $10,080 down on a $288,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Harris County
Harris County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Harris County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in Harris County for 2026?
- In Harris County (Harris 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 Harris County with FHA?
- For a median-priced ($288,000) Harris County home, plan on income around $92,000 at a 31% housing ratio — about $2,388/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Harris County?
- 3.5% with a 580+ score — roughly $10,080 on a $288,000 Harris County-area home. Gift funds are allowed.
- Is Harris County a high-cost FHA area?
- No — Harris County uses the $541,287 national floor for one unit.