Loan Limits / Texas / Dallas County
2026 Loan Limits · Texas · DALLAS-FORT WORTH-ARLINGTON, TX
Dallas County, TX.
2026 conforming and FHA loan limits, calibrated to a median sales price of $479,000.
Median Sales Price
$479,000
Per HUD CHUMS, 2026
Conforming 1u Limit
$832,750
Standard conforming
FHA 1u Limit
$563,500
Mid-tier
Jumbo Threshold
> $832,750
1-unit · loans above this are jumbo
Conforming (Fannie / Freddie)
Standard conforming| 1-unit (single-family) | $832,750 |
| 2-unit (duplex) | $1,066,250 |
| 3-unit (triplex) | $1,288,800 |
| 4-unit (fourplex) | $1,601,750 |
FHA Forward (203b)
Mid-tier| 1-unit (single-family) | $563,500 |
| 2-unit (duplex) | $721,400 |
| 3-unit (triplex) | $872,000 |
| 4-unit (fourplex) | $1,083,650 |
About this county
About Dallas County
Dallas County is a county located in the U.S. state of Texas. As of the 2020 census, the population was 2,613,539, and was estimated to be 2,656,028 in 2024, making it the second-most populous county in Texas and the eighth-most populous county in the United States. Its county seat is Dallas, the third-most populous city in Texas and the ninth-most populous city in the United States. The county was founded on March 30, 1846 and was possibly named for George Mifflin Dallas, the 11th Vice President of the United States under U.S. President James K. Polk. Dallas County is included in the eleven-county Dallas–Fort Worth–Arlington metropolitan statistical area, which is the fourth-most populous metropolitan area in the United States. Read more on Wikipedia →
Population
2,603,816
U.S. Census ACS 2023
Median Household Income
$74,149
U.S. Census ACS 2023
Median Home Value (Census)
$277,900
Owner-occupied · ACS 2023
Owner-Occupancy Rate
51%
Of occupied housing
What these limits mean for buyers in Dallas County
The 2026 conforming 1-unit limit for Dallas County is $832,750. Loans at or below this amount can be sold by the originating lender to Fannie Mae or Freddie Mac, which keeps pricing tight and underwriting consistent. Dallas County uses the standard national conforming baseline.
For FHA financing, the 2026 1-unit limit is $563,500. The HUD CHUMS table pegs the median sales price for Dallas County at $479,000. Dallas County is in HUD's FHA high-cost tier — its limit sits between the national floor of $541,287 and the ceiling of $1,249,125, calculated as 115% of the area median.
Practical takeaway. The median sales price in Dallas County ($479,000) is below both limits — FHA, conventional, and VA financing all cover median-priced purchases here. Choice between programs comes down to credit, down payment, and overlay differences.
How the limits are set
Conforming limits come from the Federal Housing Finance Agency (FHFA), which adjusts them each year based on changes in the FHFA Housing Price Index. FHA limits come from HUD: the national floor is $541,287 (65% of conforming baseline), the ceiling is $1,249,125 (150% of conforming baseline), and counties between are calculated as 115% of the area median sales price.
Multi-unit and house-hacking math
Dallas County 2-, 3-, and 4-unit conforming limits are $1,066,250, $1,288,800, and $1,601,750 respectively. If you're house-hacking — owner-occupying one unit of a 2-4 unit property — these are the limits that matter, and the rental income on the other units can be used to qualify. FHA and VA both finance owner-occupied 2-4 unit properties at their own multi-unit limits.
Limits effective 2026 per HUD CHUMS publication. Sourced GSE and FHA files. Generated 2026-04-26.
Buying in Dallas County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.