Central Texas
Comal County
Between San Antonio and Austin, Comal County and New Braunfels are growing fast, and the up-front cash is what stops most would-be buyers. If your income fits the limit, TSAHC or TDHCA may put real money toward your down payment and closing costs, with an MCC tax credit that first-time buyers may claim year after year. TSAHC's 2026 limits in Comal County may reach about $157,358 for Home Sweet Texas and $178,339 for Homes for Texas Heroes, at any household size.
Quick Facts
- County seat New Braunfels
- Region Central Texas
- Population 174,000
- Home Sweet Texas income limit (non-targeted) ~$157,358
- FHA loan limit $557,750 Source: hud.gov
- FIPS code 48091
What Buyers Should Know
Comal County is the Hill Country gateway county between San Antonio and Austin — home to New Braunfels (county seat), Bulverde, Garden Ridge, and the southern Canyon Lake recreation corridor. The Schertz-Cibolo-Universal City ISD (SCUCISD) boundary touches southern Comal where it overlaps with Bexar. Comal ISD serves the broader county. Many Comal County buyers may qualify for state-level TSAHC and TDHCA programs. New Braunfels and Bulverde have grown rapidly with the JBSA-Randolph BAH commuter spillover plus retirees and second-home buyers from Austin and San Antonio. Property tax averages around 1.83% — among the lowest in the SA-NB MSA (verify at Comal Appraisal District). No city-level DPA programs in Comal County; route to TSAHC and TDHCA.
Income Limits
Comal County Down Payment Assistance Income Limits
| Program | Max household income (non-targeted) | Max purchase price |
|---|---|---|
| Home Sweet Texas (TSAHC) | up to ~$157,358 (any household size) | bond DPA or MCC only: up to ~$583,580 |
| Homes for Texas Heroes (TSAHC) | up to ~$178,339 (any household size) | bond DPA or MCC only: up to ~$583,580 |
| My First Texas Home (TDHCA) | up to ~$104,725 (1–2 persons) / ~$120,434 (3+) | up to ~$583,580 |
| My Choice Texas Home (TDHCA) | up to ~$172,720 (conventional) / ~$178,033 (FHA/VA/USDA) | No purchase price limit |
| Figures show approximately how high non-targeted-area limits may reach for the standard above-80%-AMFI tier. TSAHC limits apply at any household size, and Homes for Texas Heroes has a higher limit than Home Sweet Texas; TSAHC's purchase price limit applies to bond-funded assistance and the MCC. My First Texas Home varies by household size and is for first-time buyers using FHA, VA, or USDA loans. My Choice Texas Home adds repeat buyers and conventional financing and has no purchase price limit. Limits may be higher in HUD-targeted census tracts and change periodically, so confirm your county's current figure with a participating lender before applying. | ||
Source: TSAHC county income limits + TDHCA Income & Purchase Price Limits
Loan Limits — Comal County
VA
VA loans are uncapped above conforming limits for full-entitlement veterans.
Cities in Comal County
City pillars for this county are coming soon.
School Districts in Comal County
School District pillars for this county are coming soon.
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