FHA loans in San Marcos, TX

What FHA buyers should know about San Marcos

San Marcos sits in Hays County, where the 2026 FHA limit for a single-family home is $571,550. With a local median price near $340,000, most San Marcos purchases fit inside FHA guidelines at the 3.5% minimum down payment.

Two numbers drive a San Marcos payment as much as your interest rate: property taxes, which run roughly 1.97% of value in Hays County, and homeowners insurance, which averages about $2,700 a year locally. We quote both from the actual property rather than a statewide average, so your pre-approval holds up when you go under contract.

FHA financing in San Marcos covers purchases, rate-and-term refinances, Streamline refinances for existing FHA borrowers, cash-out up to 80% of value, and 203(k) renovation loans for homes that need work before they'll pass an FHA appraisal.

Hays County FHA loan limits

• 1 unit: $571,550
• 2 units: $731,755
• 3 units: $884,531
• 4 units: $1,099,376

Hays County carries a high-cost FHA designation, which raises the ceiling above the Texas standard limit. Compare every county.

Nearby cities in Hays 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.