Travis, Williamson, Hays, Bastrop, and Caldwell counties are at $571,550, the highest metro limit in the state. That supports a purchase price of roughly $592,300.
Austin is where the limit binds most often in Texas. It’s the state’s most expensive major market, and a meaningful share of inventory in central Austin and the western suburbs sits above what FHA will lend.
Collin, Dallas, Denton, Ellis, Hunt, Johnson, Kaufman, Parker, Rockwall, Tarrant, and Wise counties are at $563,500, supporting roughly $583,900.
That reaches most of the metro comfortably. It gets tight in parts of Collin and Denton counties and in North Dallas, where newer construction frequently prices above it.
Bexar, Comal, Guadalupe, Kendall, Atascosa, Bandera, Medina, and Wilson counties are at $557,750, supporting roughly $578,000. That covers the large majority of San Antonio-area inventory.
Harris County is at the national floor, and so are Fort Bend, Montgomery, Brazoria, and Galveston.
This catches people off guard. Houston is the largest metro in Texas and the fifth largest in the country, and its FHA limit is the same as a rural county in the Panhandle. The reason is that FHA limits track median home prices, not population, and Houston’s median remains low enough relative to the conforming limit that the formula lands on the floor.
For most Houston buyers this is a non-issue: $541,287 supports a purchase price of roughly $560,900, which covers the great majority of homes across the metro. But if you’re shopping in the Heights, West University, Memorial, or parts of The Woodlands, the limit will come up, and it’s better to know before you’re writing offers.
Every other county in the state is at the floor, including El Paso, Lubbock, Amarillo, Corpus Christi, Waco, Tyler, Midland, Odessa, and the entire Rio Grande Valley.
One oddity worth mentioning since it shows up in the data: Glasscock County, a small West Texas county of a few hundred households, carries a limit of $813,050. That’s a function of how the median price calculation behaves in very small markets, not a sign of a hidden luxury enclave.
