FHA Loan Limits in Hidalgo County, Texas (2026)
Buying in Hidalgo County or elsewhere in Hidalgo 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 Hidalgo County, from Hidalgo County outward, and sit alongside the limits set for neighboring Harris and Dallas Counties.
FHA affordability around Hidalgo County
An FHA buyer near Hidalgo County faces an estimated $210,000 median, a $7,350 down payment, and — after Texas's 1.68% property tax — a monthly cost around $1,773. That suits household income of roughly $69,000, under Texas's $73,035 median household income.
FHA payment scenarios in Hidalgo County
FHA payments across Hidalgo County price points — from entry homes near Hidalgo County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $151,000 | $5,285 | $1,308 |
| Local median — $210,000 | $7,350 | $1,773 |
| At the FHA limit — $541,287 | $18,945 | $4,386 |
Estimates include FHA MIP plus Texas property taxes and insurance. Rates move daily near Hidalgo County too — get notified.
In Hidalgo County and the surrounding Hidalgo County market, FHA's appeal is the math: $7,350 down on a $210,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Hidalgo County
Hidalgo County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Hidalgo 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 Hidalgo County for 2026?
- In Hidalgo County (Hidalgo 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 Hidalgo County with FHA?
- For a median-priced ($210,000) Hidalgo County home, plan on income around $69,000 at a 31% housing ratio — about $1,773/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Hidalgo County?
- 3.5% with a 580+ score — roughly $7,350 on a $210,000 Hidalgo County-area home. Gift funds are allowed.
- Is Hidalgo County a high-cost FHA area?
- No — Hidalgo County uses the $541,287 national floor for one unit.