Loan Limits / Texas / Fort Bend County
2026 Loan Limits · Texas · HOUSTON-PASADENA-THE WOODLANDS, TX
Fort Bend County, TX.
2026 conforming and FHA loan limits, calibrated to a median sales price of $375,000.
Median Sales Price
$375,000
Per HUD CHUMS, 2026
Conforming 1u Limit
$832,750
Standard conforming
FHA 1u Limit
$541,287
Floor
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)
Floor| 1-unit (single-family) | $541,287 |
| 2-unit (duplex) | $693,050 |
| 3-unit (triplex) | $837,700 |
| 4-unit (fourplex) | $1,041,125 |
About this county
About Fort Bend County
Fort Bend County is a county located in the U.S. state of Texas. The county was founded on December 29, 1837, and organized the next year. It is named for a blockhouse at a bend of the Brazos River. The community developed around the fort in early days. The county seat is Richmond. The largest city located entirely within the county borders is Sugar Land. The largest city by population in the county is Houston, but most of Houston's population is located in neighboring Harris County. Read more on Wikipedia →
Population
859,721
U.S. Census ACS 2023
Median Household Income
$113,409
U.S. Census ACS 2023
Median Home Value (Census)
$350,300
Owner-occupied · ACS 2023
Owner-Occupancy Rate
77%
Of occupied housing
What these limits mean for buyers in Fort Bend County
The 2026 conforming 1-unit limit for Fort Bend 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. Fort Bend County uses the standard national conforming baseline.
For FHA financing, the 2026 1-unit limit is $541,287. The HUD CHUMS table pegs the median sales price for Fort Bend County at $375,000. This matches the FHA national floor — Fort Bend County did not qualify for an upward adjustment for 2026.
Practical takeaway. The median sales price in Fort Bend County ($375,000) 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
Fort Bend 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 Fort Bend County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.