FHA Loan Limits in Midland County, Texas (2026)
From Midland County, FHA buyers in Midland 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 Midland County, from Midland County outward, and sit alongside the limits set for neighboring Harris and Dallas Counties.
What can you buy with FHA in Midland County?
Homes around Midland County carry an estimated local median near $363,000, so an FHA buyer in Midland County puts down about $12,705 (3.5%). With Texas's 1.68% effective property-tax rate, the all-in payment runs near $2,980 a month — comfortable on household income around $115,000, above Texas's $73,035 median household income, so budget carefully.
FHA payment scenarios in Midland County
Whether you are buying in Midland County or a smaller Midland County community, here is how an FHA payment scales by price (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $261,000 | $9,135 | $2,175 |
| Local median — $363,000 | $12,705 | $2,980 |
| At the FHA limit — $541,287 | $18,945 | $4,386 |
Estimates include FHA MIP plus Texas property taxes and insurance. Rates move daily near Midland County too — get notified.
In Midland County and the surrounding Midland County market, FHA's appeal is the math: $12,705 down on a $363,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Midland County
Investors and house-hackers in Midland County and across Midland County can finance 2-4 unit homes with FHA at just 3.5% down: $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
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Frequently Asked Questions
- What is the FHA loan limit in Midland County for 2026?
- In Midland County (Midland 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 Midland County with FHA?
- For a median-priced ($363,000) Midland County home, plan on income around $115,000 at a 31% housing ratio — about $2,980/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Midland County?
- 3.5% with a 580+ score — roughly $12,705 on a $363,000 Midland County-area home. Gift funds are allowed.
- Is Midland County a high-cost FHA area?
- No — Midland County uses the $541,287 national floor for one unit.