Buying

Texas homebuyer income limits for 2026: TSAHC and TDHCA, all 254 counties

Income and purchase price limits for Home Sweet Texas, Homes for Texas Heroes, My First Texas Home, the Texas mortgage credit certificate and My Choice Texas Home, with the Rio Grande Valley first.

By Amy Herrera, REALTOR®, Texas Real Estate Sales Agent with RE/MAX Elite, TREC #808068 Captain, U.S. Army Reserve (veteran) Updated 25 min read

Illustration: bright, open home interior with natural light

Texas has two statewide homebuyer agencies, and each sets its own limits. The Texas State Affordable Housing Corporation (TSAHC) lists one income limit per county for each of its programs. The Texas Department of Housing and Community Affairs (TDHCA) sets limits by household size, by loan type and by whether the home sits in a targeted census tract. This page puts both agencies' 2026 figures for all 254 counties in one searchable table, with the Rio Grande Valley first.

2026 limits in the Rio Grande Valley

The four Valley counties are not listed by name in TDHCA's table, so its “balance of state” row applies. TSAHC's quiz gives the same two figures for all four counties. Only TDHCA's conventional-loan limits for My Choice Texas Home differ by county.

Sources: TSAHC Path Finder Quiz county data and TDHCA income and purchase price limits (effective July 13, 2026), both checked Oct 16, 2026. Targeted tracts from TDHCA's qualified targeted census tract list (IRS Revenue Procedure 2024-08).
Program and limitAll four counties
TSAHC Home Sweet Texas, household income$152,250
TSAHC Homes for Texas Heroes, household income$172,550
TDHCA My First Texas Home and MCC, income, 1 or 2 people$101,500
Same, 3 or more people$116,725
Same, home in a targeted tract, 1 or 2 people$121,800
Same, home in a targeted tract, 3 or more people$142,100
My First Texas Home purchase price, 1 unit$566,354
Same, 1 unit in a targeted tract$692,211
My First Texas Home purchase price, 2 units$725,146
Same, 2 units in a targeted tract$886,289
My Choice Texas Home income, FHA, VA or USDA loan$172,550
Limits that differ by county (same sources).
Program and limitHidalgoCameronStarrWillacy
My Choice income, conventional loan, at or below 80% of area median$51,200$51,680$66,960$66,960
My Choice income, conventional loan, above 80% of area median (up to)$108,800$109,820$142,290$142,290
Qualified targeted census tracts in the county7135111

Every Texas county

Search for a county, choose a program to narrow the columns, or select a column heading to sort. Amounts are household income limits unless the heading says purchase price. TDHCA groups 72 counties into metro or county areas with their own limits; the area appears under the county name.

254 counties

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2026 homebuyer program limits by Texas county. Rio Grande Valley counties are pinned first; the other 250 follow from A to Z. Sources: TSAHC Path Finder Quiz data and TDHCA limits effective July 13, 2026, both checked Oct 16, 2026. “No tracts” means TDHCA lists no qualified targeted census tract in the county.
CountyTSAHC income limitsTDHCA My First Texas Home and Texas MCCTDHCA My Choice Texas Home income
Hidalgo$152,250$172,550$101,500$116,725$121,800$142,100$566,354$692,211$172,550$51,200$108,800
Cameron$152,250$172,550$101,500$116,725$121,800$142,100$566,354$692,211$172,550$51,680$109,820
Starr$152,250$172,550$101,500$116,725$121,800$142,100$566,354$692,211$172,550$66,960$142,290
Willacy$152,250$172,550$101,500$116,725$121,800$142,100$566,354$692,211$172,550$66,960$142,290
Anderson$152,250$172,550$101,500$116,725$121,800$142,100$566,354$692,211$172,550$66,960$142,290
AndrewsTDHCA area: Andrews County$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$79,840$169,660
Angelina$152,250$172,550$101,500$116,725$121,800$142,100$566,354$692,211$172,550$66,960$142,290
Aransas$155,962.41$176,757.40$101,500$116,725$121,800$142,100$566,354$692,211$172,550$67,840$144,160
Archer$154,642.41$175,261.40$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$72,960$155,040
ArmstrongTDHCA area: Amarillo, HMFA$154,702.41$175,329.40$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$72,640$154,360
AtascosaTDHCA area: Atascosa County, HMFA$154,980$175,644$104,725$120,434No tractsNo tracts$583,580No tracts$178,033$81,280$172,720
AustinTDHCA area: Austin County, HMFA$156,000$176,800$104,000$119,600No tractsNo tracts$566,354No tracts$176,800$84,080$178,670
Bailey$154,800$175,440$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$68,800$146,200
BanderaTDHCA area: San Antonio-New Braunfels, HMFA$157,358.12$178,339.20$104,725$120,434No tractsNo tracts$583,580No tracts$178,033$81,280$172,720
BastropTDHCA area: Austin-Round Rock-San Marcos, MSA$201,600$228,480$134,400$154,560No tractsNo tracts$598,019No tracts$228,480$107,520$228,480
Baylor$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
Bee$152,250$172,550$101,500$116,725$121,800$142,100$566,354$692,211$172,550$66,960$142,290
Bell$153,180$173,604$101,500$116,725$121,800$142,100$566,354$692,211$172,550$68,480$145,520
BexarTDHCA area: San Antonio-New Braunfels, HMFA$157,358.12$178,339.20$104,725$120,434$125,670$146,616$583,580$713,265$178,033$81,280$172,720
BlancoTDHCA area: Blanco County$160,050$181,390$106,700$122,705No tractsNo tracts$566,354No tracts$181,390$85,360$181,390
BordenTDHCA area: Borden County$152,932.41$173,323.40$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
Bosque$153,180$173,604$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$71,680$152,320
Bowie$152,250$172,550$101,500$116,725$121,800$142,100$566,354$692,211$172,550$61,360$130,390
BrazoriaTDHCA area: Brazoria County, HMFA$189,000$214,200$126,000$144,900No tractsNo tracts$566,354No tracts$214,200$84,080$178,670
Brazos$152,812.41$173,187.40$101,500$116,725$121,800$142,100$566,354$692,211$172,550$83,680$177,820
Brewster$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
Briscoe$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
Brooks$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
Brown$152,250$172,550$101,500$116,725$121,800$142,100$566,354$692,211$172,550$66,960$142,290
Burleson$152,812.41$173,187.40$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$83,680$177,820
BurnetTDHCA area: Burnet County$152,902.41$173,289.40$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$74,000$164,900
CaldwellTDHCA area: Austin-Round Rock-San Marcos, MSA$201,600$228,480$134,400$154,560No tractsNo tracts$598,019No tracts$228,480$107,520$228,480
Calhoun$152,782.41$173,153.40$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$77,920$165,580
Callahan$154,372.41$174,955.40$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$73,680$156,570
Camp$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
CarsonTDHCA area: Amarillo, HMFA$154,702.41$175,329.40$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$72,640$154,360
Cass$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
Castro$152,250$172,550$101,500$116,725$121,800$142,100$566,354$692,211$172,550$66,960$142,290
ChambersTDHCA area: Houston-The Woodlands-Sugar Land, HMFA$156,000$176,800$104,000$119,600No tractsNo tracts$566,354No tracts$176,800$84,080$178,670
Cherokee$152,250$172,550$101,500$116,725$121,800$142,100$566,354$692,211$172,550$66,960$142,290
Childress$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
Clay$154,642.41$175,261.40$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$72,960$155,040
Cochran$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$71,600$152,150
Coke$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
Coleman$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
CollinTDHCA area: Dallas, HMFA$181,650$205,870$121,100$139,265$145,320$169,540$589,596$720,617$205,870$94,000$199,750
Collingsworth$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
Colorado$154,732.41$175,363.40$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$74,320$157,930
ComalTDHCA area: San Antonio-New Braunfels, HMFA$157,358.12$178,339.20$104,725$120,434No tractsNo tracts$583,580No tracts$178,033$81,280$172,720
Comanche$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
Concho$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
CookeTDHCA area: Cooke County$152,250$172,550$101,500$116,725$121,800$142,100$566,354$692,211$172,550$79,520$168,980
Coryell$153,180$173,604$101,500$116,725$121,800$142,100$566,354$692,211$172,550$68,480$145,520
Cottle$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
CraneTDHCA area: Crane County$153,540$174,012$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
Crockett$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
Crosby$155,122.41$175,805.40$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$71,600$152,150
Culberson$152,250$172,550$101,500$116,725$121,800$142,100$566,354$692,211$172,550$66,960$142,290
Dallam$154,732.41$175,363.40$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$72,720$154,530
DallasTDHCA area: Dallas, HMFA$181,650$205,870$121,100$139,265$145,320$169,540$589,596$720,617$205,870$94,000$199,750
Dawson$152,250$172,550$101,500$116,725$121,800$142,100$566,354$692,211$172,550$66,960$142,290
DeWitt$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
Deaf Smith$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
Delta$154,102.41$174,649.40$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$74,400$158,100
DentonTDHCA area: Dallas, HMFA$181,650$205,870$121,100$139,265$145,320$169,540$589,596$720,617$205,870$94,000$199,750
Dickens$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
Dimmit$152,250$172,550$101,500$116,725$121,800$142,100$566,354$692,211$172,550$66,960$142,290
Donley$153,000$173,400$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$68,000$144,500
Duval$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
Eastland$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
EctorTDHCA area: Odessa MSA$154,102.41$174,649.40$101,500$116,725$121,800$142,100$566,354$692,211$172,550$72,880$154,870
Edwards$152,250$172,550$101,500$116,725$121,800$142,100$566,354$692,211$172,550$66,960$142,290
El Paso$152,250$172,550$101,500$116,725$121,800$142,100$566,354$692,211$172,550$58,720$124,780
EllisTDHCA area: Dallas, HMFA$181,650$205,870$121,100$139,265No tractsNo tracts$589,596No tracts$205,870$94,000$199,750
Erath$154,642.41$175,261.40$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$72,960$155,040
Falls$152,250$172,550$101,500$116,725$121,800$142,100$566,354$692,211$172,550$71,680$152,320
Fannin$155,182.41$175,873.40$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$71,520$151,980
FayetteTDHCA area: Fayette County$152,542.41$172,881.40$101,500$126,845No tractsNo tracts$566,354No tracts$172,550$78,560$166,940
Fisher$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
Floyd$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
Foard$155,812.41$176,587.40$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$70,400$149,600
Fort BendTDHCA area: Houston-The Woodlands-Sugar Land, HMFA$156,000$176,800$104,000$119,600$124,800$145,600$566,354$692,211$176,800$84,080$178,670
Franklin$155,340$176,052$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$69,040$146,710
Freestone$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
Frio$152,250$172,550$101,500$116,725$121,800$142,100$566,354$692,211$172,550$66,960$142,290
Gaines$154,522.41$175,125.40$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$70,320$149,430
GalvestonTDHCA area: Houston-The Woodlands-Sugar Land, HMFA$156,000$176,800$104,000$119,600$124,800$145,600$566,354$692,211$176,800$84,080$178,670
Garza$152,820$173,196$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$71,600$152,150
GillespieTDHCA area: Gillespie County$163,950$185,810$109,300$125,695No tractsNo tracts$566,354No tracts$185,810$87,440$185,810
GlasscockTDHCA area: Glasscock County$218,880$248,064$145,920$170,240No tractsNo tracts$850,703No tracts$248,064$115,360$245,140
Goliad$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$65,040$138,210
Gonzales$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
Gray$152,250$172,550$101,500$116,725$121,800$142,100$566,354$692,211$172,550$66,960$142,290
GraysonTDHCA area: Sherman-Denison, MSA$153,412.41$173,867.40$101,500$116,725$121,800$142,100$566,354$692,211$172,550$76,240$162,010
Gregg$152,250$172,550$101,500$116,725$121,800$142,100$566,354$692,211$172,550$64,720$137,530
Grimes$155,152.41$175,839.40$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$71,600$152,150
GuadalupeTDHCA area: San Antonio-New Braunfels, HMFA$157,358.12$178,339.20$104,725$120,434$125,670$146,616$583,580$713,265$178,033$81,280$172,720
Hale$152,250$172,550$101,500$116,725$121,800$142,100$566,354$692,211$172,550$66,960$142,290
Hall$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
Hamilton$154,432.41$175,023.40$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$74,560$158,440
Hansford$153,442.41$173,901.40$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$80,320$170,680
Hardeman$155,812.41$176,587.40$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$70,320$149,430
Hardin$155,692.41$176,451.40$101,500$116,725$121,800$142,100$566,354$692,211$172,550$70,160$149,090
HarrisTDHCA area: Houston-The Woodlands-Sugar Land, HMFA$156,000$176,800$104,000$119,600$124,800$145,600$566,354$692,211$176,800$84,080$178,670
Harrison$155,182.41$175,873.40$101,500$116,725$121,800$142,100$566,354$692,211$172,550$64,720$137,530
HartleyTDHCA area: Hartley County$158,400$179,520$105,600$121,440No tractsNo tracts$566,354No tracts$179,520$84,480$179,520
Haskell$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
HaysTDHCA area: Austin-Round Rock-San Marcos, MSA$201,600$228,480$134,400$154,560$161,280$188,160$598,019$730,912$228,480$107,520$228,480
HemphillTDHCA area: Hemphill County$171,600$194,480$114,400$131,560No tractsNo tracts$566,354No tracts$194,480$95,520$202,980
Henderson$152,250$172,550$101,500$116,725$121,800$142,100$566,354$692,211$172,550$66,960$142,290
Hill$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$67,440$143,310
Hockley$152,250$172,550$101,500$116,725$121,800$142,100$566,354$692,211$172,550$71,600$152,150
HoodTDHCA area: Hood County, HMFA$159,000$180,200$106,000$121,900No tractsNo tracts$566,354No tracts$180,200$86,960$184,790
Hopkins$155,422.41$176,145.40$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$70,880$150,620
Houston$152,250$172,550$101,500$116,725$121,800$142,100$566,354$692,211$172,550$66,960$142,290
Howard$154,822.41$175,465.40$101,500$116,725$121,800$142,100$566,354$692,211$172,550$72,480$154,020
Hudspeth$152,250$172,550$101,500$116,725$121,800$142,100$566,354$692,211$172,550$58,720$124,780
HuntTDHCA area: Dallas, HMFA$181,650$205,870$121,100$139,265$145,320$169,540$589,596$720,617$205,870$94,000$199,750
Hutchinson$152,542.41$172,881.40$101,500$116,725$121,800$142,100$566,354$692,211$172,550$80,640$171,360
IrionTDHCA area: San Angelo MSA$155,032.41$175,703.40$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$72,720$154,530
Jack$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
JacksonTDHCA area: Jackson County$153,000$173,400$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$68,000$144,500
Jasper$152,250$172,550$101,500$116,725$121,800$142,100$566,354$692,211$172,550$66,960$142,290
Jeff Davis$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
Jefferson$155,692.41$176,451.40$101,500$116,725$121,800$142,100$566,354$692,211$172,550$70,160$149,090
Jim Hogg$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
Jim Wells$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
JohnsonTDHCA area: Fort Worth - Arlington, HMFA$165,450$187,510$110,300$126,845No tractsNo tracts$589,596No tracts$187,510$94,000$199,750
Jones$154,372.41$174,955.40$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$73,680$156,570
Karnes$154,800$175,440$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$68,800$146,200
KaufmanTDHCA area: Dallas, HMFA$181,650$205,870$121,100$139,265$145,320$169,540$589,596$720,617$205,870$94,000$199,750
KendallTDHCA area: Kendall County, HMFA$209,550$237,490$139,700$160,655No tractsNo tracts$583,580No tracts$237,490$81,280$172,720
Kenedy$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
KentTDHCA area: Kent County$152,812.41$173,187.40$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$77,840$165,410
Kerr$153,142.41$173,561.40$101,500$116,725$121,800$142,100$566,354$692,211$172,550$76,960$163,540
Kimble$153,442.41$173,901.40$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$80,320$170,680
KingTDHCA area: King County$152,250$172,550$101,500$116,725$121,800$142,100$566,354$692,211$172,550$66,960$142,290
Kinney$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
Kleberg$152,250$172,550$101,500$116,725$121,800$142,100$566,354$692,211$172,550$66,960$142,290
Knox$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
La Salle$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
Lamar$152,640$172,992$101,500$116,725$121,800$142,100$566,354$692,211$172,550$67,840$144,160
Lamb$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
LampasasTDHCA area: Lampasas County$159,450$180,710$106,300$122,245No tractsNo tracts$566,354No tracts$180,710$68,480$145,520
Lavaca$154,552.41$175,159.40$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$73,200$155,550
Lee$155,272.41$175,975.40$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$71,280$151,470
Leon$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
LibertyTDHCA area: Houston-The Woodlands-Sugar Land, HMFA$156,000$176,800$104,000$119,600No tractsNo tracts$566,354No tracts$176,800$84,080$178,670
Limestone$152,250$172,550$101,500$116,725$121,800$142,100$566,354$692,211$172,550$66,960$142,290
LipscombTDHCA area: Lipscomb County$155,160$175,848$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$68,960$146,540
Live Oak$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
Llano$153,202.41$173,629.40$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$76,800$163,200
LovingTDHCA area: Loving County$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
Lubbock$155,122.41$175,805.40$101,500$116,725$121,800$142,100$566,354$692,211$172,550$71,600$152,150
Lynn$155,122.41$175,805.40$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$71,600$152,150
Madison$154,282.41$174,853.40$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$74,320$157,930
Marion$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
MartinTDHCA area: Martin County, HMFA$154,950$175,610$103,300$118,795No tractsNo tracts$566,354No tracts$175,610$87,760$186,490
Mason$153,442.41$173,901.40$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$77,600$164,900
Matagorda$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
Maverick$152,250$172,550$101,500$116,725$121,800$142,100$566,354$692,211$172,550$46,880$99,620
McCulloch$153,720$174,216$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$68,320$145,180
McLennan$154,912.41$175,567.40$101,500$116,725$121,800$142,100$566,354$692,211$172,550$71,680$152,320
McMullen$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
MedinaTDHCA area: Medina County, HMFA$159,171.29$180,394.12$104,725$120,434No tractsNo tracts$583,580No tracts$178,033$81,280$172,720
Menard$154,702.41$175,329.40$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$72,800$154,700
MidlandTDHCA area: Midland, HMFA$163,350$185,130$108,900$125,235No tractsNo tracts$566,354No tracts$172,550$87,760$186,490
Milam$154,620$175,236$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$68,720$146,030
Mills$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
MitchellTDHCA area: Mitchell County$152,572.41$172,915.40$101,500$116,725No tractsNo tracts$566,354No tracts$185,130$76,320$162,180
Montague$155,520$176,256$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$69,120$146,880
MontgomeryTDHCA area: Houston-The Woodlands-Sugar Land, HMFA$156,000$176,800$104,000$119,600$124,800$145,600$566,354$692,211$176,800$84,080$178,670
Moore$152,250$172,550$101,500$116,725$121,800$142,100$566,354$692,211$172,550$66,960$142,290
Morris$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
Motley$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
Nacogdoches$152,250$172,550$101,500$116,725$121,800$142,100$566,354$692,211$172,550$66,960$142,290
Navarro$152,460$172,788$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$67,760$143,990
Newton$152,250$172,550$101,500$116,725$121,800$142,100$566,354$692,211$172,550$66,960$142,290
Nolan$152,250$172,550$101,500$116,725$121,800$142,100$566,354$692,211$172,550$66,960$142,290
Nueces$152,250$172,550$101,500$116,725$121,800$142,100$566,354$692,211$172,550$67,840$144,160
Ochiltree$154,612.41$175,227.40$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$73,040$155,210
OldhamTDHCA area: Oldham County, HMFA$155,812.41$176,587.40$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$72,640$154,360
Orange$155,692.41$176,451.40$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$70,160$149,090
Palo Pinto$152,820$173,196$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$67,920$144,330
Panola$154,882.41$175,533.40$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$72,320$153,680
ParkerTDHCA area: Fort Worth - Arlington, HMFA$165,450$187,510$110,300$126,845No tractsNo tracts$589,596No tracts$187,510$94,000$199,750
Parmer$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
PecosTDHCA area: Pecos County$153,720$174,216$101,500$116,725$121,800$142,100$566,354$692,211$172,550$68,320$145,180
Polk$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
PotterTDHCA area: Amarillo, HMFA$154,702.41$175,329.40$101,500$116,725$121,800$142,100$566,354$692,211$172,550$72,640$154,360
Presidio$152,250$172,550$101,500$116,725$121,800$142,100$566,354$692,211$172,550$66,960$142,290
Rains$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
RandallTDHCA area: Amarillo, HMFA$154,702.41$175,329.40$101,500$116,725$121,800$142,100$566,354$692,211$172,550$72,640$154,360
ReaganTDHCA area: Reagan County$155,700$176,460$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$69,200$147,050
Real$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
Red River$152,250$172,550$101,500$116,725$121,800$142,100$566,354$692,211$172,550$66,960$142,290
Reeves$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
Refugio$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
RobertsTDHCA area: Roberts County$155,152.41$175,839.40$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$71,600$152,150
Robertson$152,812.41$173,187.40$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$83,680$177,820
RockwallTDHCA area: Dallas, HMFA$181,650$205,870$121,100$139,265No tractsNo tracts$589,596No tracts$205,870$94,000$199,750
Runnels$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
Rusk$155,632.41$176,383.40$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$64,720$137,530
Sabine$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
San Augustine$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
San Jacinto$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$84,080$178,670
San Patricio$152,250$172,550$101,500$116,725$121,800$142,100$566,354$692,211$172,550$67,840$144,160
San Saba$152,250$172,550$101,500$116,725$121,800$142,100$566,354$692,211$172,550$66,960$142,290
SchleicherTDHCA area: Schleicher County$153,112.41$173,527.40$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$77,040$163,710
Scurry$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$67,520$143,480
Shackelford$153,472.41$173,935.40$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$80,480$171,020
Shelby$152,250$172,550$101,500$116,725$121,800$142,100$566,354$692,211$172,550$66,960$142,290
Sherman$154,732.41$175,363.40$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$72,720$154,530
Smith$152,812.41$173,187.40$101,500$116,725$121,800$142,100$566,354$692,211$172,550$77,840$165,410
SomervellTDHCA area: Somervell County, HMFA$153,382.41$173,833.40$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$85,440$181,560
Stephens$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
Sterling$155,002.41$175,669.40$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$87,200$185,300
StonewallTDHCA area: Stonewall County$152,572.41$172,915.40$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$78,480$166,770
Sutton$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
Swisher$152,250$172,550$101,500$116,725$121,800$142,100$566,354$692,211$172,550$66,960$142,290
TarrantTDHCA area: Fort Worth - Arlington, HMFA$165,450$187,510$110,300$126,845$132,360$154,420$589,596$720,617$187,510$94,000$199,750
Taylor$154,372.41$174,955.40$101,500$116,725$121,800$142,100$566,354$692,211$172,550$73,680$156,570
Terrell$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
Terry$152,250$172,550$101,500$116,725$121,800$142,100$566,354$692,211$172,550$66,960$142,290
Throckmorton$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
Titus$152,250$172,550$101,500$116,725$121,800$142,100$566,354$692,211$172,550$66,960$142,290
Tom GreenTDHCA area: San Angelo MSA$155,032.41$175,703.40$101,500$116,725$121,800$142,100$566,354$692,211$172,550$72,720$154,530
TravisTDHCA area: Austin-Round Rock-San Marcos, MSA$201,600$228,480$134,400$154,560$161,280$188,160$598,019$730,912$228,480$107,520$228,480
Trinity$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
Tyler$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
Upshur$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$64,720$137,530
Upton$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
Uvalde$152,250$172,550$101,500$116,725$121,800$142,100$566,354$692,211$172,550$66,960$142,290
Val Verde$152,250$172,550$101,500$116,725$121,800$142,100$566,354$692,211$172,550$66,960$142,290
Van Zandt$155,992.41$176,791.40$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$69,360$147,390
Victoria$152,250$172,550$101,500$116,725$121,800$142,100$566,354$692,211$172,550$65,040$138,210
Walker$152,250$172,550$101,500$116,725$121,800$142,100$566,354$692,211$172,550$67,520$143,480
WallerTDHCA area: Houston-The Woodlands-Sugar Land, HMFA$156,000$176,800$104,000$119,600No tractsNo tracts$566,354No tracts$176,800$84,080$178,670
WardTDHCA area: Ward County$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
WashingtonTDHCA area: Washington County$152,400$172,720$101,600$116,840No tractsNo tracts$566,354No tracts$172,720$81,280$172,720
Webb$152,250$172,550$101,500$116,725$121,800$142,100$566,354$692,211$172,550$59,200$125,800
Wharton$153,900$174,420$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$68,400$145,350
Wheeler$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
Wichita$154,642.41$175,261.40$101,500$116,725$121,800$142,100$566,354$692,211$172,550$72,960$155,040
Wilbarger$152,250$172,550$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$66,960$142,290
WilliamsonTDHCA area: Austin-Round Rock-San Marcos, MSA$201,600$228,480$134,400$154,560$161,280$188,160$598,019$730,912$228,480$107,520$228,480
WilsonTDHCA area: San Antonio-New Braunfels, HMFA$157,358.12$178,339.20$104,725$120,434No tractsNo tracts$583,580No tracts$178,033$81,280$172,720
Winkler$152,632.41$172,983.40$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$85,680$182,070
WiseTDHCA area: Wise County, HMFA$168,450$190,910$112,300$129,145No tractsNo tracts$589,596No tracts$190,910$94,000$199,750
Wood$154,260$174,828$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$68,560$145,690
YoakumTDHCA area: Yoakum County$153,142.41$173,561.40$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$76,960$163,540
Young$154,702.41$175,329.40$101,500$116,725No tractsNo tracts$566,354No tracts$172,550$72,800$154,700
Zapata$152,250$172,550$101,500$116,725$121,800$142,100$566,354$692,211$172,550$66,960$142,290
Zavala$152,250$172,550$101,500$116,725$121,800$142,100$566,354$692,211$172,550$66,960$142,290

Why TSAHC and TDHCA limits differ

TSAHC sets Home Sweet Texas at 150% of area median family income (AMFI) and Homes for Texas Heroes at 170% AMFI. It raised both in July 2026 (TSAHC, July 10, 2026). Its quiz shows one figure per county; TSAHC says limits can vary by household size, so your lender confirms the limit for your household.

TDHCA's My First Texas Home and mortgage credit certificate limits are 100% AMFI for 1 or 2 people and 115% for 3 or more, or 120% and 140% for a home in a targeted tract. For those two, TDHCA counts the income of everyone who will live in the home and sign the deed of trust, including a non-purchasing spouse (My First Texas Home matrix, Aug 17, 2026). My Choice Texas Home uses 170% AMFI with FHA, VA and USDA loans, and the Fannie Mae HFA Preferred and Freddie Mac HFA Advantage limits with conventional loans, and counts only the borrowers' qualifying income on the loan application, not a non-purchasing spouse's (My Choice matrix, Aug 17, 2026; TDHCA limits, effective July 13, 2026).

Targeted census tracts

In an IRS and TDHCA qualified targeted census tract, TDHCA waives the first-time buyer requirement for My First Texas Home and its mortgage credit certificate and applies the higher targeted income and price limits. TDHCA uses the tract list in IRS Revenue Procedure 2024-08. 88 Texas counties have at least one such tract. The Valley has 118: Hidalgo 71, Cameron 35, Starr 11 and Willacy 1 (TDHCA tract list).

To check an address, TDHCA says to look up its census tract on the FFIEC geocoder and match the county and tract number exactly against its list. The full Valley tract list is in Homes for Texas Heroes and My First Texas Home.

The mortgage credit certificate limit

A mortgage credit certificate (MCC) is a federal tax credit equal to 15% of the mortgage interest you pay each year. TSAHC offers its MCC only with its down payment assistance or No DPA loans, and it says the federal MCC income limit, 115% AMFI, is lower than its assistance limits, so a buyer who combines the two must meet the MCC limit (TSAHC, July 10, 2026). TDHCA's MCC uses the My First Texas Home limits in the table. Ask a tax professional how a credit would affect your return.

How to use these numbers

  1. Look up the county where you are buying, not the one where you live now.
  2. Add up household income the way the program counts it. For TDHCA's My First Texas Home, that includes everyone who will sign the deed of trust.
  3. For My First Texas Home or a TDHCA MCC, check the purchase price limit and whether the address is in a targeted tract before you make an offer.
  4. Talk to a participating lender: TSAHC's lender search or TDHCA's participating lenders. The lender confirms eligibility and handles the program paperwork.
  5. Start the required homebuyer education course early. See down payment assistance in the Rio Grande Valley for the courses and the local counseling agencies.

Update log

  • Oct 16, 2026: TSAHC's quiz data for all 254 counties and TDHCA's limits and targeted tract PDFs were re-read; no figures changed since Oct 14, 2026.
  • July 13, 2026: TDHCA's income and purchase price limits took effect.
  • July 2026: TSAHC raised Home Sweet Texas to 150% AMFI and Homes for Texas Heroes to 170% AMFI.

Income limit questions

What is the TSAHC income limit in Hidalgo County for 2026?

TSAHC's quiz lists $152,250 for Home Sweet Texas and $172,550 for Homes for Texas Heroes in Hidalgo County. Cameron, Starr and Willacy counties have the same figures (checked Oct 16, 2026).

What are the TDHCA income limits for 2026 in the Rio Grande Valley?

For My First Texas Home and the TDHCA mortgage credit certificate: $101,500 for 1 or 2 people and $116,725 for 3 or more, or $121,800 and $142,100 for a home in a targeted census tract. My Choice Texas Home allows up to $172,550 with an FHA, VA or USDA loan. These limits took effect July 13, 2026.

Does household size change the limit?

For TDHCA's My First Texas Home and its MCC, yes: there is one limit for 1 or 2 people and a higher one for 3 or more. My Choice Texas Home uses one limit for any household size. TSAHC's quiz shows one figure per county, and your lender confirms the limit for your household.

Is there a purchase price limit?

My First Texas Home and the TDHCA MCC have purchase price limits: in the four Valley counties, $566,354 for a one-unit home, or $692,211 in a targeted tract. My Choice Texas Home has none. TSAHC says homes financed with its MCC must be within its purchase price limits, so ask a TSAHC lender for the figure.

Whose income counts?

For My First Texas Home and the TDHCA MCC, TDHCA counts the income of everyone who will live in the home and sign the deed of trust, including a non-purchasing spouse. For My Choice Texas Home it counts only the borrowers' qualifying income on the loan application, so a non-purchasing spouse's income is left out. Each lender applies the program's rules, so ask yours how it will count overtime, bonuses and self-employment income.

Amy Herrera

Who wrote this

Amy Herrera is a REALTOR® and Texas real estate sales agent with RE/MAX Elite (TREC #808068) and a Captain, U.S. Army Reserve (veteran). She is not a lender, loan officer, tax adviser or housing counselor, and she does not take loan applications or VA claims. Every figure on this page was checked against TSAHC's and TDHCA's own data on Oct 16, 2026. Book a call to talk through homes that fit these limits.

General information, not a loan offer or lending advice. Program limits change. Confirm current figures with a participating lender or the agency before you rely on them.

Questions about income limits?

Straight answers, in English or Spanish.