FHA Loan Limits in Hays County, Texas (2026)
From Hays County, FHA buyers in Hays 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 |
From Hays County to the edges of Hays County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Harris and Dallas Counties.
What can you buy with FHA in Hays County?
With Hays County's median sale price estimated near $304,000 (think Hays County), the FHA down payment is roughly $10,640. Factoring Texas property taxes near 1.68%, expect about $2,515 monthly, pointing to income near $97,000 — above Texas's $73,035 median household income, so budget carefully.
FHA payment scenarios in Hays County
Here is what an FHA payment looks like at three Hays 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 Hays County too — get notified.
First-time buyers make up much of FHA activity in Hays County and across Hays County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $10,640 needed on a median Hays County home.
Multi-unit FHA limits in Hays County
Looking at a duplex or fourplex near Hays County? FHA allows up to $692,997 on two units and $1,041,072 on four in Hays 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 Hays County for 2026?
- In Hays County (Hays 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 Hays County with FHA?
- For a median-priced ($304,000) Hays 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 Hays County?
- 3.5% with a 580+ score — roughly $10,640 on a $304,000 Hays County-area home. Gift funds are allowed.
- Is Hays County a high-cost FHA area?
- No — Hays County uses the $541,287 national floor for one unit.