FHA Loan Limits in Tarrant County, Texas (2026)
Buying in Tarrant County or elsewhere in Tarrant 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 |
Every community in Tarrant County — Tarrant County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Harris and Dallas Counties.
FHA affordability around Tarrant County
An FHA buyer near Tarrant County faces an estimated $345,000 median, a $12,075 down payment, and — after Texas's 1.68% property tax — a monthly cost around $2,838. That suits household income of roughly $110,000, above Texas's $73,035 median household income, so budget carefully.
FHA payment scenarios in Tarrant County
Whether you are buying in Tarrant County or a smaller Tarrant 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 — $248,000 | $8,680 | $2,073 |
| Local median — $345,000 | $12,075 | $2,838 |
| At the FHA limit — $541,287 | $18,945 | $4,386 |
Estimates include FHA MIP plus Texas property taxes and insurance. Rates move daily near Tarrant County too — get notified.
Buyers across Tarrant County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $12,075 down payment near Tarrant County into little out of pocket.
Multi-unit FHA limits in Tarrant County
Investors and house-hackers in Tarrant County and across Tarrant 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 Tarrant County for 2026?
- In Tarrant County (Tarrant 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 Tarrant County with FHA?
- For a median-priced ($345,000) Tarrant County home, plan on income around $110,000 at a 31% housing ratio — about $2,838/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Tarrant County?
- 3.5% with a 580+ score — roughly $12,075 on a $345,000 Tarrant County-area home. Gift funds are allowed.
- Is Tarrant County a high-cost FHA area?
- No — Tarrant County uses the $541,287 national floor for one unit.