County Limit & Tax Property
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County Limits in Texas
In Texas, county limits refer to the maximum conforming loan amounts set for each county by federal agencies. Limits vary across the state — higher in expensive metro areas like Houston, Dallas–Fort Worth, and Austin, and lower in rural counties. Loans above the county limit are considered jumbo loans and typically require stronger credit and larger down payments.
Property Tax in Texas
Property taxes in Texas are assessed and collected locally (counties, cities, school districts, and special districts). Texas does not have a state income tax, so local property taxes make up a significant portion of local revenue. Properties are appraised annually by county appraisal districts; owners may qualify for exemptions (such as homestead) that reduce taxable value.
County Loan Limits
County limits refer to the maximum loan amount you can borrow under programs like conventional or FHA loans. These limits are set by federal agencies and vary by location, largely based on the local housing market.