Brazos County

What Buyers Should Know

Brazos County’s 2026 HUD area median income (AMI) for a 4-person household is approximately $87,400, with the TSAHC Heroes 115% AMI ceiling reaching ~$100,510. Most Brazos 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 Brazos mirror the College Station-Bryan baseline. Conforming limits run $806,500 for 1-unit. VA loans are uncapped above conforming limits for full-entitlement veterans.

Property tax in Brazos County averages around 1.93% 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 — file with the appraisal district on or before April 30 of the year following purchase.

Texas A&M University Anchor

Brazos County is anchored by Texas A&M University (College Station campus, ~76,000 students — the largest university in Texas). College Station (largest city, ~120,000) and Bryan (county seat, ~88,000) form the urban core. The Bush Library + Presidential Center, Kyle Field, and the A&M corridor drive a youthful + commuter buyer mix. College Station ISD, Bryan ISD, and Navasota ISD (small portion) serve the county. Most Brazos County buyers route through state-level TSAHC and TDHCA programs.