Dallas–Fort Worth metro
Collin County FHA loan limits 2026
2026 FHA loan limits, local tax and insurance estimates, and 3.5% down purchase and refinance financing for McKinney and the rest of Collin County.
2026 FHA limit — 1 unit
$563,500
2026 FHA limit — 2 units
$721,449
2026 FHA limit — 3 units
$872,073
2026 FHA limit — 4 units
$1,083,892
FHA lending in Collin County, Texas
Collin County sits inside the Dallas–Fort Worth–Arlington metro, which HUD designates high-cost, so the 2026 single-family FHA limit here is $563,500. McKinney serves as the county seat, with Plano and Frisco making up much of the local buying market. Against a local median near $372,500, the limit leaves comfortable room for most homes, though premium pockets can approach it.
Property taxes in Collin County run roughly 1.85% of assessed value, and homeowners insurance averages about $3,300 a year locally — both are quoted from the actual property rather than a statewide average, so your pre-approval holds up under contract.
Collin County carries a HUD high-cost designation, which lifts its ceiling above the Texas standard limit. Compare every Texas county.
Cities in Collin County
This site is not affiliated with or endorsed by HUD, the FHA, or any government agency. Rate and payment examples are estimates for illustration only. Rates are subject to change and this is not a commitment to lend. Actual APR depends on credit, occupancy, loan amount, and property details.
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Get your exact rateRate and payment examples are estimates for illustration only. Rates are subject to change and this is not a commitment to lend. Actual APR depends on credit, occupancy, loan amount, and property details. MIP shown at 0.55% annually and 1.75% upfront; your factors may differ. This site is not affiliated with or endorsed by HUD, the FHA, or any government agency.