Clay County, Texas loan limits 2026
FIPS 48077 · 6 ZIP codes, e.g. 76228, 76305, 76352, 76357, 76365, 76377 · metro area (CBSA) 48660
In Clay County the 2026 conforming loan limit is $832,750 for a single-family home — the national baseline. The FHA limit is $541,287. Anything above $832,750 is a jumbo loan.
Does my loan fit?
How much home fits under the limit?
The highest home price you can buy with a loan that still fits the 2026 limit, at that down payment. Your actual budget depends on income, debts, rates and the lender.
Conforming limit in Clay County, 2024–2026
Single-family limit set by the FHFA each year. The 2027 limits are announced in late November 2026 — this page updates automatically.
Loan limits by number of units
| Property | Conforming 2026 | FHA 2026 | Conforming vs. 2025 |
|---|---|---|---|
| 1 unit (single-family) | $832,750 | $541,287 | +3.3% |
| 2 units | $1,066,250 | $693,050 | +3.3% |
| 3 units | $1,288,800 | $837,700 | +3.3% |
| 4 units | $1,601,750 | $1,041,125 | +3.3% |
Conforming limits (FHFA) apply to loans bought by Fannie Mae and Freddie Mac; VA loans with partial entitlement use the same county limit. FHA limits (HUD) cap FHA-insured mortgages. Clay County is in metro area CBSA 48660; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $91,200 · Wichita Falls, TX MSA
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $51,100 | $58,400 | $65,700 | $72,950 | $78,800 | $84,650 | $90,500 | $96,300 |
| Very low income (50%) | $31,950 | $36,500 | $41,050 | $45,600 | $49,250 | $52,900 | $56,550 | $60,200 |
| Extremely low income (30%) | $19,150 | $21,900 | $27,320 | $33,000 | $38,680 | $44,360 | $50,040 | $55,720 |
Used for housing assistance and many down-payment and first-time-buyer programs. Programs set their own rules; check the program you apply to.
Fair market rent FY2027
| Unit | Fair market rent FY2027 | FY2026 | Change |
|---|---|---|---|
| Studio | $839/mo | $831 | +1% |
| 1 bedroom | $949/mo | $925 | +2.6% |
| 2 bedrooms | $1,145/mo | $1,136 | +0.8% |
| 3 bedrooms | $1,542/mo | $1,553 | -0.7% |
| 4 bedrooms | $1,740/mo | $1,759 | -1.1% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Wichita Falls, TX MSA.
Same metro area
Counties in CBSA 48660 share the same loan limits.
Other counties in Texas
Highest limits first.
Official figures, not a loan offer. Limits come from FHFA and HUD publications. Loanlimitmap.com is an independent site — not a government website and not a lender. Whether you qualify for a loan is decided by your lender; check the current figures with them.
Questions
What is the conforming loan limit in Clay County, TX for 2026?
$832,750 for a one-unit property ($1,066,250 for 2 units, $1,288,800 for 3, $1,601,750 for 4), set by the FHFA; it was $806,500 in 2025.
What is the FHA loan limit in Clay County?
$541,287 for a single-family home in 2026 (HUD), up to $1,041,125 for a four-unit property.
What counts as a jumbo loan in Clay County?
A mortgage above $832,750 for a single-family home is a jumbo (non-conforming) loan in Clay County in 2026.
What are the HUD income limits in Clay County?
For a family of four (FY2026): low income $72,950, very low income $45,600, extremely low income $33,000; area median family income $91,200.
What is the fair market rent in Clay County?
$1,145 a month for a two-bedroom unit in FY2027 (HUD), $949 for one bedroom.