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Market Context

State-level median prices, conforming loan limits, property tax rates, appreciation assumptions, and HMDA benchmarking.

Market Snapshot: TXFHFA 2026 | Baseline limit
Median Home
$350,000
Conforming Limit (1U)
$806,500
Baseline
Appreciation
4.4%
Annual est.
Property Tax
1.8%
Effective rate
Median Rent
$1,700/mo
Affordability
6
Index (higher = better)
Conforming 2U
$1,032,320
Conforming 4U
$1,550,093
Rent vs Buy$400,000 purchase | $2,800/mo PITI
Monthly Rent
$1,700
Monthly PITI
$2,800
Difference
+$1,100
Very large premium to buy. Renting may be more cost-effective short-term.65% premium to buy
HMDA Benchmark: TX2025 public data | illustrative 720 FICO
typicalThis scenario aligns with the typical range of purchase loans observed in public mortgage records.
Loan amount
360000typical
This Conventional scenario's Loan amount falls within the typical range observed in TX market records.
Back-end DTI
36typical
This Conventional scenario's Back-end DTI falls within the typical range observed in TX market records.
Loan-to-value ratio
90typical
This Conventional scenario's Loan-to-value ratio falls within the typical range observed in TX market records.
Credit score
720typical
This Conventional scenario's Credit score falls within the typical range observed in TX market records.
Compared with public mortgage market records, not an approval prediction. Data sourced from HMDA 2025 public dataset.

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