FHA Loan Limits in McLennan County, Texas (2026)
In McLennan County — anchored by McLennan County — the 2026 FHA loan limit for a single-family home 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 McLennan County, from McLennan County outward, and sit alongside the limits set for neighboring Harris and Dallas Counties.
Affording a home in McLennan County & McLennan County
An FHA buyer near McLennan County faces an estimated $290,000 median, a $10,150 down payment, and — after Texas's 1.68% property tax — a monthly cost around $2,404. That suits household income of roughly $93,000, above Texas's $73,035 median household income, so budget carefully.
FHA payment scenarios in McLennan County
Here is what an FHA payment looks like at three McLennan County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $209,000 | $7,315 | $1,765 |
| Local median — $290,000 | $10,150 | $2,404 |
| At the FHA limit — $541,287 | $18,945 | $4,386 |
Estimates include FHA MIP plus Texas property taxes and insurance. Rates move daily near McLennan County too — get notified.
In McLennan County and the surrounding McLennan County market, FHA's appeal is the math: $10,150 down on a $290,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in McLennan County
Looking at a duplex or fourplex near McLennan County? FHA allows up to $692,997 on two units and $1,041,072 on four in McLennan 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 McLennan County for 2026?
- In McLennan County (McLennan 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 McLennan County with FHA?
- For a median-priced ($290,000) McLennan County home, plan on income around $93,000 at a 31% housing ratio — about $2,404/month including taxes, insurance, and MIP.
- How much is the FHA down payment in McLennan County?
- 3.5% with a 580+ score — roughly $10,150 on a $290,000 McLennan County-area home. Gift funds are allowed.
- Is McLennan County a high-cost FHA area?
- No — McLennan County uses the $541,287 national floor for one unit.