Kendall County, Texas loan limits 2026
FIPS 48259 · 6 ZIP codes, e.g. 78004, 78006, 78013, 78015, 78027, 78074 · metro area (CBSA) 41700
In Kendall County the 2026 conforming loan limit is $832,750 for a single-family home — the national baseline. The FHA limit is $557,750. 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 Kendall 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 | $557,750 | +3.3% |
| 2 units | $1,066,250 | $714,000 | +3.3% |
| 3 units | $1,288,800 | $863,100 | +3.3% |
| 4 units | $1,601,750 | $1,072,600 | +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. Kendall County is in metro area CBSA 41700; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $139,700 · Kendall County, TX HUD Metro FMR Area
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $74,800 | $85,450 | $96,150 | $106,800 | $115,350 | $123,900 | $132,450 | $141,000 |
| Very low income (50%) | $48,900 | $55,900 | $62,900 | $69,850 | $75,450 | $81,050 | $86,650 | $92,250 |
| Extremely low income (30%) | $29,350 | $33,550 | $37,750 | $41,900 | $45,300 | $48,650 | $52,000 | $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 | $1,276/mo | $1,301 | -1.9% |
| 1 bedroom | $1,285/mo | $1,311 | -2% |
| 2 bedrooms | $1,650/mo | $1,650 | 0% |
| 3 bedrooms | $2,285/mo | $2,176 | +5% |
| 4 bedrooms | $2,470/mo | $2,185 | +13% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Kendall County, TX HUD Metro FMR Area.
Same metro area
Counties in CBSA 41700 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 Kendall 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 Kendall County?
$557,750 for a single-family home in 2026 (HUD), up to $1,072,600 for a four-unit property.
What counts as a jumbo loan in Kendall County?
A mortgage above $832,750 for a single-family home is a jumbo (non-conforming) loan in Kendall County in 2026.
What are the HUD income limits in Kendall County?
For a family of four (FY2026): low income $106,800, very low income $69,850, extremely low income $41,900; area median family income $139,700.
What is the fair market rent in Kendall County?
$1,650 a month for a two-bedroom unit in FY2027 (HUD), $1,285 for one bedroom.