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Matagorda County FHA loan limits 2026

2026 FHA loan limits, local tax and insurance estimates, and 3.5% down purchase and refinance financing for Bay City and the rest of Matagorda County.

2026 FHA limit — 1 unit

$541,287

2026 FHA limit — 2 units

$693,010

2026 FHA limit — 3 units

$837,696

2026 FHA limit — 4 units

$1,041,166

FHA lending in Matagorda County, Texas

Property taxes in Matagorda County run roughly 1.82% of assessed value, and homeowners insurance averages about $4,300 a year locally — both are quoted from the actual property rather than a statewide average, so your pre-approval holds up under contract.

Matagorda County uses the Texas standard (floor) FHA limit for 2026. Compare every Texas county.

Cities in Matagorda County

Bay CityPalacios

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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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.)$493
Homeowners insurance (est.)$358
Estimated monthly payment$2,960

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.

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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.