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TX
Texas
2024 Loan Rules & Limits
📊 Loan Limits (2024)
Conforming Limit
$766,550
FHFA single-family baseline
FHA Floor
$498,257
HUD single-family baseline
💰 Tax Climate
State Income Tax
No
No state income tax
🏛️ State Housing Agency
TDHCA
Available Programs
- TDHCA My First Texas Home
- TDHCA My Choice TX Home
📋 Lending Notes
No state income tax — major draw for buyers. Standard conforming limits statewide but Austin, Dallas, Houston, and San Antonio are high-demand metros. High property tax rates (1.6–2.5%) partially offset income tax savings. Texas is a community property state — both spouses must sign deed.
Loan limits effective January 1, 2024. Actual limits vary by county. Always verify current limits with your lender or at hud.gov and fhfa.gov.