FHA Loan Limits in Travis County, Texas (2026)
Travis County and the rest of Travis County, Texas fall under a 2026 one-unit FHA limit of $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 Travis County — Travis County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Harris and Dallas Counties.
How much home can you afford in Travis County?
Homes around Travis County carry an estimated local median near $510,000, so an FHA buyer in Travis County puts down about $17,850 (3.5%). With Texas's 1.68% effective property-tax rate, the all-in payment runs near $4,140 a month — comfortable on household income around $160,000, above Texas's $73,035 median household income, so budget carefully.
FHA payment scenarios in Travis County
FHA payments across Travis County price points — from entry homes near Travis County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $367,000 | $12,845 | $3,012 |
| Local median — $510,000 | $17,850 | $4,140 |
| At the FHA limit — $541,287 | $18,945 | $4,386 |
Estimates include FHA MIP plus Texas property taxes and insurance. Rates move daily near Travis County too — get notified.
Buyers across Travis County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $17,850 down payment near Travis County into little out of pocket.
Multi-unit FHA limits in Travis County
Travis County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Travis 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 Travis County for 2026?
- In Travis County (Travis 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 Travis County with FHA?
- For a median-priced ($510,000) Travis County home, plan on income around $160,000 at a 31% housing ratio — about $4,140/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Travis County?
- 3.5% with a 580+ score — roughly $17,850 on a $510,000 Travis County-area home. Gift funds are allowed.
- Is Travis County a high-cost FHA area?
- No — Travis County uses the $541,287 national floor for one unit.