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Lubbock County, Texas

FHA loans in Lubbock, TX

3.5% down FHA purchase and refinance financing for Lubbock homebuyers and homeowners, with Lubbock County loan limits and local tax and insurance estimates built in.

FHA limit (1 unit)

$541,287

Median price (est.)

$225,000

Property tax (monthly est.)

$377

Insurance (monthly est.)

$275

What FHA buyers should know about Lubbock

Lubbock's affordability means most FHA buyers qualify well under the county ceiling; the practical questions are credit score band and gift-fund documentation.

Two numbers drive a Lubbock payment as much as your interest rate: property taxes, which run roughly 2.01% of value in Lubbock County, and homeowners insurance, which averages about $3,300 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 Lubbock 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.

Lubbock County FHA loan limits

  • 1 unit: $541,287
  • 2 units: $693,010
  • 3 units: $837,696
  • 4 units: $1,041,166

Lubbock County uses the Texas standard FHA limit. Compare every county.

Nearby cities in Lubbock County

WolfforthSlatonShallowaterIdalou

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.

Get an FHA quote for Lubbock

Send your details and a licensed loan officer will price your scenario with local taxes and insurance.

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Down payment$11,375
Base loan amount$313,625
Upfront MIP (1.75%, financed)$5,488
Principal & interest$1,965
Monthly MIP$144
Property taxes (est.)$544
Homeowners insurance (est.)$275
Estimated monthly payment$2,928

These are estimates. Want your exact numbers?

A licensed loan officer will price your scenario with today's rates, real taxes, and an insurance quote.

Get your exact rate

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. 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.