FHA Loan Limits in Lubbock County, Texas (2026)
Buying in Lubbock County or elsewhere in Lubbock 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 |
From Lubbock County to the edges of Lubbock County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Harris and Dallas Counties.
FHA affordability around Lubbock County
Homes around Lubbock County carry an estimated local median near $240,000, so an FHA buyer in Lubbock County puts down about $8,400 (3.5%). With Texas's 1.68% effective property-tax rate, the all-in payment runs near $2,010 a month — comfortable on household income around $78,000, above Texas's $73,035 median household income, so budget carefully.
FHA payment scenarios in Lubbock County
FHA payments across Lubbock County price points — from entry homes near Lubbock County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $173,000 | $6,055 | $1,481 |
| Local median — $240,000 | $8,400 | $2,010 |
| At the FHA limit — $541,287 | $18,945 | $4,386 |
Estimates include FHA MIP plus Texas property taxes and insurance. Rates move daily near Lubbock County too — get notified.
First-time buyers make up much of FHA activity in Lubbock County and across Lubbock County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $8,400 needed on a median Lubbock County home.
Multi-unit FHA limits in Lubbock County
Lubbock County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Lubbock 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 Lubbock County for 2026?
- In Lubbock County (Lubbock 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 Lubbock County with FHA?
- For a median-priced ($240,000) Lubbock County home, plan on income around $78,000 at a 31% housing ratio — about $2,010/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Lubbock County?
- 3.5% with a 580+ score — roughly $8,400 on a $240,000 Lubbock County-area home. Gift funds are allowed.
- Is Lubbock County a high-cost FHA area?
- No — Lubbock County uses the $541,287 national floor for one unit.