2026 Mortgage Loan Limits for Hays County, Texas
Hays County Loan Limits History
See how mortgage loan limits in this area have evolved over time. This historical chart shows conventional, FHA, VA, and USDA limits for 1-4 unit properties.
Hays County Loan Limits: Complete Historical Table
Browse the full historical data for Hays County mortgage loan limits from 1972 to 2026. This comprehensive table shows how loan limits have changed over 50+ years, helping you understand long-term trends in your local housing market.
| Year | Conventional | FHA | VA | USDA |
|---|---|---|---|---|
| 2026 | $832,750 | $541,275 | $832,750 | $433,020 |
| 2025 | $806,500 | $571,550 | $806,500 | $457,240 |
| 2024 | $766,550 | $571,550 | $766,550 | $457,240 |
| 2023 | $726,200 | $571,550 | $726,200 | $457,240 |
| 2022 | $647,200 | $483,000 | $647,200 | - |
| 2021 | $548,250 | $416,300 | $548,250 | - |
| 2020 | $510,400 | $404,800 | $510,400 | - |
| 2019 | $484,350 | $389,850 | $484,350 | - |
| 2018 | $453,100 | $384,100 | $453,100 | - |
| 2017 | $424,100 | $361,100 | $424,100 | - |
| 2016 | $417,000 | $333,500 | $417,000 | - |
| 2015 | $417,000 | $331,200 | $417,000 | - |
| 2014 | $417,000 | $305,900 | $417,000 | - |
| 2013 | $417,000 | $288,750 | $417,000 | - |
| 2012 | $417,000 | $288,750 | $417,000 | - |
| 2011 | $417,000 | $288,750 | $417,000 | - |
| 2010 | $417,000 | $288,750 | $417,000 | - |
| 2009 | $417,000 | $271,050 | $417,000 | - |
| 2008 | $417,000 | $200,160 | $417,000 | - |
Cities in Hays County, Texas
The following cities and communities are covered by Hays County loan limits. Whether you're looking for mortgage loan limits in Bear Creek, Belterra, Buda or any other Hays County city, the same conventional, FHA, VA, and USDA loan limits apply throughout the county.
Hays County, Texas Mortgage Market Analysis (2018-2024)
Explore borrowing and mortgage trends in Hays County, including conventional vs. government loan performance, average loan sizes, and market share shifts. Data sourced from HMDA regulatory filings shows how local lending patterns evolve through changing market conditions.
Loan Count by Loan Type (Hays County, Texas)
Number of mortgage loans originated by loan type (Conventional, FHA, VA, USDA) in Hays County from 2019-2024, showing the 1-year change from 2023 to 2024.
| Loan Type | 2019 | 2023 | 2024 | 1-Year Change |
|---|---|---|---|---|
| Conventional | 4,908 | 3,878 | 3,776 | ▼-2.63% |
| FHA | 1,155 | 1,301 | 1,652 | ▲26.98% |
| VA | 804 | 575 | 674 | ▲17.22% |
| USDA | 73 | 41 | 77 | ▲87.80% |
Market Share by Loan Type (Hays County, Texas)
Market share percentage by loan type (Conventional, FHA, VA, USDA) in Hays County from 2019-2024, showing the 1-year change from 2023 to 2024.
| Loan Type | 2019 | 2023 | 2024 | 1-Year Change |
|---|---|---|---|---|
| Conventional | 70.72% | 66.92% | 61.11% | ▼-5.81% |
| FHA | 16.64% | 22.45% | 26.74% | ▲4.29% |
| VA | 11.59% | 9.92% | 10.91% | ▲0.99% |
| USDA | 1.05% | 0.71% | 1.25% | ▲0.54% |
Average Loan-to-Value by Loan Type (Hays County, Texas)
Average loan-to-value ratio by loan type (Conventional, FHA, VA, USDA) in Hays County from 2019-2024, showing the 1-year change from 2023 to 2024.
| Loan Type | 2019 | 2023 | 2024 | 1-Year Change |
|---|---|---|---|---|
| Conventional | 75.60% | 74.10% | 72.80% | ▼-1.30% |
| FHA | 99.80% | 96.50% | 97.20% | ▲0.70% |
| VA | 100.00% | 95.00% | 98.10% | ▲3.10% |
| USDA | 100.00% | 98.00% | 98.80% | ▲0.80% |
