FHA Loan Limits in Nueces County, Texas (2026)
From Nueces County, FHA buyers in Nueces 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 Nueces County, from Nueces County outward, and sit alongside the limits set for neighboring Harris and Dallas Counties.
What can you buy with FHA in Nueces County?
Homes around Nueces County carry an estimated local median near $280,000, so an FHA buyer in Nueces County puts down about $9,800 (3.5%). With Texas's 1.68% effective property-tax rate, the all-in payment runs near $2,325 a month — comfortable on household income around $90,000, above Texas's $73,035 median household income, so budget carefully.
FHA payment scenarios in Nueces County
FHA payments across Nueces County price points — from entry homes near Nueces County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $202,000 | $7,070 | $1,710 |
| Local median — $280,000 | $9,800 | $2,325 |
| At the FHA limit — $541,287 | $18,945 | $4,386 |
Estimates include FHA MIP plus Texas property taxes and insurance. Rates move daily near Nueces County too — get notified.
In Nueces County and the surrounding Nueces County market, FHA's appeal is the math: $9,800 down on a $280,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Nueces County
Nueces County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Nueces 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 Nueces County for 2026?
- In Nueces County (Nueces 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 Nueces County with FHA?
- For a median-priced ($280,000) Nueces County home, plan on income around $90,000 at a 31% housing ratio — about $2,325/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Nueces County?
- 3.5% with a 580+ score — roughly $9,800 on a $280,000 Nueces County-area home. Gift funds are allowed.
- Is Nueces County a high-cost FHA area?
- No — Nueces County uses the $541,287 national floor for one unit.