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 you keep claiming year after year.
Quick Facts
- County seat New Braunfels
- Region Central Texas
- Population 174,000
- TSAHC income limit (non-targeted) ~$130,833
- 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. Most Comal County buyers 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 / Homes for Texas Heroes (TSAHC) | up to ~$130,833 (any household size) | up to ~$579,037 |
| My First Texas Home (TDHCA) | up to ~$104,227 (1–2 persons) / ~$119,861 (3+) | up to ~$579,037 |
| My Choice Texas Home (TDHCA) | up to ~$167,110 (conventional) / ~$177,186 (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 applies a single income limit at any household size. 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 — confirm your county's current figure with a participating lender before applying. | ||
Source: TSAHC Income & Purchase Price 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.