Loan Limits / Texas / Nueces County
2026 Loan Limits · Texas · CORPUS CHRISTI, TX
Nueces County, TX.
2026 conforming and FHA loan limits, calibrated to a median sales price of $299,000.
Median Sales Price
$299,000
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 Nueces County
Nueces County is located in the southern part of the U.S. state of Texas. As of the 2020 census, the population was 353,178, making it the 16th-most populous county in the state. The county seat is Corpus Christi, which is also the most populous city in the Nueces County, at 317,773 people, as of 2021. The county was formed in 1846 from portions of San Patricio County and organized the following year. It is named after the Nueces River, which marks the county's northwestern boundary with San Patricio County before emptying into its mouth at Nueces Bay north of the port of Corpus Christi. Nueces County is part of the Corpus Christi metropolitan area. Read more on Wikipedia →
Population
352,829
U.S. Census ACS 2023
Median Household Income
$66,021
U.S. Census ACS 2023
Median Home Value (Census)
$194,700
Owner-occupied · ACS 2023
Owner-Occupancy Rate
60%
Of occupied housing
What these limits mean for buyers in Nueces County
The 2026 conforming 1-unit limit for Nueces 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. Nueces 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 Nueces County at $299,000. This matches the FHA national floor — Nueces County did not qualify for an upward adjustment for 2026.
Practical takeaway. The median sales price in Nueces County ($299,000) 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
Nueces 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 Nueces County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.