FHA Loan Limits in Jefferson County, Texas (2026)
Buying in Jefferson County or elsewhere in Jefferson 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 Jefferson County, from Jefferson County outward, and sit alongside the limits set for neighboring Harris and Dallas Counties.
FHA affordability around Jefferson County
Homes around Jefferson County carry an estimated local median near $386,000, so an FHA buyer in Jefferson County puts down about $13,510 (3.5%). With Texas's 1.68% effective property-tax rate, the all-in payment runs near $3,161 a month — comfortable on household income around $122,000, above Texas's $73,035 median household income, so budget carefully.
FHA payment scenarios in Jefferson County
FHA payments across Jefferson County price points — from entry homes near Jefferson County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $278,000 | $9,730 | $2,310 |
| Local median — $386,000 | $13,510 | $3,161 |
| At the FHA limit — $541,287 | $18,945 | $4,386 |
Estimates include FHA MIP plus Texas property taxes and insurance. Rates move daily near Jefferson County too — get notified.
In Jefferson County and the surrounding Jefferson County market, FHA's appeal is the math: $13,510 down on a $386,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Jefferson County
Jefferson County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Jefferson 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 Jefferson County for 2026?
- In Jefferson County (Jefferson 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 Jefferson County with FHA?
- For a median-priced ($386,000) Jefferson County home, plan on income around $122,000 at a 31% housing ratio — about $3,161/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Jefferson County?
- 3.5% with a 580+ score — roughly $13,510 on a $386,000 Jefferson County-area home. Gift funds are allowed.
- Is Jefferson County a high-cost FHA area?
- No — Jefferson County uses the $541,287 national floor for one unit.