North Texas · Texas County
Collin County
Collin County is in the DFW metroplex with a county seat in McKinney and a population over 1.16 million as of 2024. The HUD 2026 AMI for a 4-person household is $117,500. Major cities include Frisco, Plano, McKinney, Allen, Wylie, and Prosper.
Last verified April 30, 2026
Quick Facts
- County seat McKinney
- Region North Texas
- Population 1,160,000
- 100% AMI (4-person) $117,500 Source: huduser.gov
- FHA loan limit $593,800 Source: hud.gov
- FIPS code 48085
Collin County sits at the northern edge of the Dallas-Fort Worth metroplex. McKinney is the county seat. The county runs north from the Dallas line up to the Grayson County boundary, anchored by I-75 and the Dallas North Tollway, with rapid growth across Frisco, Plano, McKinney, Allen, Prosper, and Wylie.
What buyers should know
Collin County’s 2026 HUD area median income (AMI) for a 4-person household is $117,500, which means many buyers in the $400K–$550K price range still fit TSAHC and TDHCA program ceilings. The county is not designated a HUD targeted area, so the standard income limits and first-time-buyer rule apply.
FHA loan limits in Collin County mirror the DFW high-cost ceiling. Conforming limits run $806,500 for 1-unit. VA loans are uncapped above conforming for full-entitlement veterans.
Property tax is a meaningful affordability factor here — Collin County’s effective rate averages around 2.18% (verify current year at the Collin Central Appraisal District). The Texas residence homestead exemption shaves $100,000 off school-district appraised value.
2026 HUD Income Limits
Collin County — Area Median Income
Dallas-Plano-Irving HUD Metro FMR Area
| Household size | 80% AMI low-income limit |
100% AMI area median |
115% AMI TSAHC ceiling |
|---|---|---|---|
| 1-person | $65,800 | $82,250 | $94,587 |
| 2-person | $75,200 | $94,000 | $108,100 |
| 3-person | $84,600 | $105,750 | $121,612 |
| 4-person | $94,000 | $117,500 | $135,125 |
| 5-person | $101,500 | $126,900 | $145,935 |
| 6-person | $109,050 | $136,350 | $156,802 |
| 7-person | $116,550 | $145,750 | $167,612 |
| 8-person | $124,100 | $155,150 | $178,422 |
- TSAHC purchase price limit: $455,000
Source: huduser.gov · Last verified April 30, 2026
Loan Limits — Collin County
VA
VA loans are uncapped above conforming limits for full-entitlement veterans.
Last verified April 30, 2026
Cities
Cities in Collin County
-
Allen Down Payment Assistance: 2026 Programs & Eligibility
Allen, Texas in Collin County, Texas falls within the Dallas-Plano-Irving MSA. Homebuyers may qualify for TSAHC Home Sweet Texas Home, TSAHC Homes for Texas Heroes (for eligible public-service workers), TDHCA programs, and the MCC tax credit.
View → -
Frisco
Frisco sits in southwest Collin County (with small Denton overlap), served by Frisco ISD. One of the fastest-growing US cities. Verified May 19, 2026.
View → -
McKinney
McKinney is the county seat of Collin County, served by McKinney ISD. Eligible buyers may qualify for TSAHC, TDHCA, MCC. Verified May 19, 2026.
View → -
Plano
Plano sits in southern Collin County, served by Plano ISD. One of the largest cities in DFW. Eligible buyers may qualify for TSAHC, TDHCA, MCC. Verified May 19, 2026.
View → -
Wylie Down Payment Assistance: 2026 Programs & Eligibility
Wylie, Texas in Collin County, Texas falls within the Dallas-Plano-Irving MSA. Homebuyers may qualify for TSAHC Home Sweet Texas Home, TSAHC Homes for Texas Heroes (for eligible public-service workers), TDHCA programs, and the MCC tax credit.
View →
School Districts
School Districts in Collin County
-
Frisco Independent School District
Frisco ISD serves approximately 64,000 students across Frisco (Collin + Denton counties) plus parts of Plano, Little Elm, McKinney, and Prosper. One of the fastest-growing districts in the US. Verified May 19, 2026.
View → -
Frisco ISD
Frisco ISD spans Collin, Denton, and parts of surrounding counties, anchored by Frisco with parts of Plano, McKinney, Little Elm, and Prosper. The district has 11 high schools serving roughly 66,000 students total across the 2024-2026 UIL cycle.
View → -
McKinney ISD Teacher Home Loans: TSAHC Heroes DPA Guide (2026)
McKinney ISD serves Collin County, Texas. Heroes-eligible McKinney ISD employees may qualify for TSAHC Homes for Texas Heroes down payment assistance — typically about 5% of the loan amount with income up to 115% of Collin County AMI and 620+ FICO.
View → -
Plano Independent School District
Plano ISD serves approximately 50,000 students across western Plano and parts of Carrollton, Dallas, Richardson, Allen, and Murphy. Plano ISD teachers qualify for TSAHC Heroes program eligibility. Verified May 19, 2026.
View →