FHA Loan Limits in Williamson County, Texas (2026)
From Williamson County, FHA buyers in Williamson 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 Williamson County, from Williamson County outward, and sit alongside the limits set for neighboring Harris and Dallas Counties.
What can you buy with FHA in Williamson County?
With Williamson County's median sale price estimated near $440,000 (think Williamson County), the FHA down payment is roughly $15,400. Factoring Texas property taxes near 1.68%, expect about $3,587 monthly, pointing to income near $139,000 — above Texas's $73,035 median household income, so budget carefully.
FHA payment scenarios in Williamson County
Whether you are buying in Williamson County or a smaller Williamson 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 — $317,000 | $11,095 | $2,617 |
| Local median — $440,000 | $15,400 | $3,587 |
| At the FHA limit — $541,287 | $18,945 | $4,386 |
Estimates include FHA MIP plus Texas property taxes and insurance. Rates move daily near Williamson County too — get notified.
In Williamson County and the surrounding Williamson County market, FHA's appeal is the math: $15,400 down on a $440,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Williamson County
Investors and house-hackers in Williamson County and across Williamson 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 Williamson County for 2026?
- In Williamson County (Williamson 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 Williamson County with FHA?
- For a median-priced ($440,000) Williamson County home, plan on income around $139,000 at a 31% housing ratio — about $3,587/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Williamson County?
- 3.5% with a 580+ score — roughly $15,400 on a $440,000 Williamson County-area home. Gift funds are allowed.
- Is Williamson County a high-cost FHA area?
- No — Williamson County uses the $541,287 national floor for one unit.