FHA Loan Limits in Johnson County, Texas (2026)
From Johnson County, FHA buyers in Johnson 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 Johnson County, from Johnson County outward, and sit alongside the limits set for neighboring Harris and Dallas Counties.
What can you buy with FHA in Johnson County?
An FHA buyer near Johnson County faces an estimated $327,000 median, a $11,445 down payment, and — after Texas's 1.68% property tax — a monthly cost around $2,696. That suits household income of roughly $104,000, above Texas's $73,035 median household income, so budget carefully.
FHA payment scenarios in Johnson County
Here is what an FHA payment looks like at three Johnson County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $235,000 | $8,225 | $1,970 |
| Local median — $327,000 | $11,445 | $2,696 |
| At the FHA limit — $541,287 | $18,945 | $4,386 |
Estimates include FHA MIP plus Texas property taxes and insurance. Rates move daily near Johnson County too — get notified.
In Johnson County and the surrounding Johnson County market, FHA's appeal is the math: $11,445 down on a $327,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Johnson County
Looking at a duplex or fourplex near Johnson County? FHA allows up to $692,997 on two units and $1,041,072 on four in Johnson 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 Johnson County for 2026?
- In Johnson County (Johnson 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 Johnson County with FHA?
- For a median-priced ($327,000) Johnson County home, plan on income around $104,000 at a 31% housing ratio — about $2,696/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Johnson County?
- 3.5% with a 580+ score — roughly $11,445 on a $327,000 Johnson County-area home. Gift funds are allowed.
- Is Johnson County a high-cost FHA area?
- No — Johnson County uses the $541,287 national floor for one unit.