Loan Limits / Texas / Kendall County
2026 Loan Limits · Texas · SAN ANTONIO-NEW BRAUNFELS, TX
Kendall County, TX.
2026 conforming and FHA loan limits, calibrated to a median sales price of $469,000.
Median Sales Price
$469,000
Per HUD CHUMS, 2026
Conforming 1u Limit
$832,750
Standard conforming
FHA 1u Limit
$557,750
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) | $557,750 |
| 2-unit (duplex) | $714,000 |
| 3-unit (triplex) | $863,100 |
| 4-unit (fourplex) | $1,072,600 |
About this county
About Kendall County
Kendall County is a county located on the Edwards Plateau in the U.S. state of Texas. In the 2020 census, its population was 44,279. Its county seat is Boerne. The county is named for George Wilkins Kendall, a journalist and Mexican–American War correspondent. Kendall County is located in the Texas German belt region, an area settled by German emigrants in the mid 1800s. Read more on Wikipedia →
Population
46,971
U.S. Census ACS 2023
Median Household Income
$110,498
U.S. Census ACS 2023
Median Home Value (Census)
$489,800
Owner-occupied · ACS 2023
Owner-Occupancy Rate
78%
Of occupied housing
What these limits mean for buyers in Kendall County
The 2026 conforming 1-unit limit for Kendall 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. Kendall County uses the standard national conforming baseline.
For FHA financing, the 2026 1-unit limit is $557,750. The HUD CHUMS table pegs the median sales price for Kendall County at $469,000. Kendall 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 Kendall County ($469,000) 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
Kendall 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 Kendall County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.