Avg Home Value
$320,000
Lending Limit
$1,209,750
Texas Housing Market Analysis
The housing market in Texas is stable, with average values sitting at $320,000. This places most homeowners comfortably within the FHA's lending limits, ensuring you get the full benefit of federal insurance protections.
Loan Limits in Texas
For 2026, the federal lending limit is $1,209,750.
Since the median home value in Texas is below this cap, your loan amount will be determined strictly by your age and current interest rates, not by the lending cap.
Specific Laws for Texas
Texas has specific regulations that go beyond federal HUD guidelines:
Texas Constitution requires BOTH spouses to be at least 62. No "non-borrowing spouses" under 62 allowed on title.
Tax Note: High property taxes but no state income tax. Reverse mortgages generally cannot be used to pay tax liens immediately.
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