East Texas · Texas County

Harris County

Harris County (county seat: Houston) anchors the Houston-The Woodlands-Sugar Land MSA in southeast Texas, with a population over 4.7 million and the Texas Medical Center as its economic core. Eligible buyers may qualify for TSAHC, TDHCA, MCC, plus the City of Houston HAP within city limits. Verified May 19, 2026.

Last verified May 19, 2026

Quick Facts

What Buyers Should Know

Harris County contains the City of Houston plus 34 incorporated cities and the largest unincorporated population in Texas. The Houston-Galleria, Energy Corridor, Westchase, Medical Center, NRG/Texas Southern, and University of Houston corridors anchor the urban core, with master-planned suburbs in Cypress, Kingwood, Katy (partial), Spring Branch, and Clear Lake (partial) on the perimeter. Most Harris buyers qualify for at least one TSAHC or TDHCA program. The City of Houston Homebuyer Assistance Program (HAP) applies only inside Houston city limits and is administered by the City of Houston Housing and Community Development Department — see our Houston down payment assistance guide for current HAP funding status. Property tax effective rate in Harris averages around 2.31% (verify current year at Harris County Appraisal District).

Loan Limits — Harris County

FHA (2026)

1-unit
$524,225
2-unit
$671,200
3-unit
$811,275
4-unit
$1,008,300
Source: hud.gov

Conforming (2026)

1-unit
$806,500
Source: fhfa.gov

VA

VA loans are uncapped above conforming limits for full-entitlement veterans.

Last verified May 19, 2026

Cities

Cities in Harris County

School Districts

School Districts in Harris County