East Texas

Brazoria County

Buyers along the Gulf Coast in Brazoria County may find a home closer than they think with a little help on the up-front cost. Eligible buyers can pair an affordable first mortgage with TSAHC or TDHCA down payment assistance and the MCC tax credit, often covering most of the cash they'd otherwise bring to closing.

Quick Facts

  • County seat Angleton
  • Region East Texas
  • Population 395,000
  • TSAHC income limit (non-targeted) ~$145,125
  • FHA loan limit $541,287 Source: hud.gov
  • FIPS code 48039

What Buyers Should Know

Brazoria County’s 2026 HUD area median income (AMI) for a 4-person household is approximately $96,625, with the TSAHC Heroes 115% AMI ceiling reaching ~$111,119. Most Brazoria County buyers qualify for at least one TSAHC or TDHCA program; the county is not designated a HUD targeted area, so the standard income limits and first-time-buyer rules apply.

FHA loan limits in Brazoria mirror the Houston-The Woodlands-Sugar Land baseline. Conforming limits run $806,500 for 1-unit. VA loans are uncapped above conforming limits for full-entitlement veterans.

Property tax in Brazoria County averages around 2.36% effective (verify current year at the county appraisal district). The Texas residence homestead exemption shaves $100,000 off school-district appraised value and caps appraised value growth at 10% per year — the single highest-return paperwork move a new homeowner makes. File on or before April 30 of the year following purchase.

South Houston Metro + Petrochemical Corridor

Brazoria County contains Pearland (the largest city, ~131,000), Lake Jackson, Alvin, Freeport, Angleton, and Clute. The county anchors the southern edge of Houston metro and includes a significant Gulf Coast petrochemical industry footprint (Dow Chemical, Freeport LNG, Phillips 66). Pearland ISD, Alvin ISD, Brazosport ISD, Angleton ISD, Sweeny ISD, and Columbia-Brazoria ISD serve the county. Most Brazoria buyers route through state-level TSAHC and TDHCA programs. See Harris County guide for adjacent metro context.

Income Limits

Brazoria 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 ~$145,125 (any household size) up to ~$544,232
My First Texas Home (TDHCA) up to ~$116,100 (1–2 persons) / ~$133,515 (3+) up to ~$544,232
My Choice Texas Home (TDHCA) up to ~$173,400 (conventional) / ~$197,370 (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 — Brazoria County

FHA (2026)

1-unit
$541,287
2-unit
$693,050
3-unit
$837,700
4-unit
$1,041,125
Source: hud.gov

Conforming (2026)

1-unit
$832,750
Source: fhfa.gov

VA

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

Cities in Brazoria County

School Districts in Brazoria County

Related Guides