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Austin metro

Travis County FHA loan limits 2026

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

2026 FHA limit — 1 unit

$571,550

2026 FHA limit — 2 units

$731,755

2026 FHA limit — 3 units

$884,531

2026 FHA limit — 4 units

$1,099,376

FHA lending in Travis County, Texas

Because Travis County falls inside the Austin metro area, its 2026 FHA limit is a high-cost $571,550 for one unit instead of the statewide floor. Most FHA loans here close in and around Austin, the county seat, along with Pflugerville and Manor. Against a local median near $394,000, the limit leaves comfortable room for most homes, though premium pockets can approach it.

Property taxes in Travis County run roughly 1.81% of assessed value, and homeowners insurance averages about $2,700 a year locally — both are quoted from the actual property rather than a statewide average, so your pre-approval holds up under contract.

Travis County carries a HUD high-cost designation, which lifts its ceiling above the Texas standard limit. Compare every Texas county.

Cities in Travis County

AustinPflugervilleManorLakewayLago VistaBee CaveWest Lake HillsJonestownBriarcliffThe Hills

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.)$490
Homeowners insurance (est.)$225
Estimated monthly payment$2,824

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.