Central Texas
Webb County
Webb County and Laredo sit on the border with some of the most affordable homes in Texas, and assistance stretches your budget even further. Eligible buyers may qualify for TSAHC or TDHCA down payment help plus the MCC tax credit, often reaching closing with very little out of pocket.
Quick Facts
- County seat Laredo
- Region Central Texas
- Population 270,000
- TSAHC income limit (non-targeted) ~$123,500
- FHA loan limit $541,287 Source: hud.gov
- FIPS code 48479
What Buyers Should Know
Webb County’s 2026 HUD area median income (AMI) for a 4-person household is approximately $65,800, with the TSAHC Heroes 115% AMI ceiling reaching ~$75,670. Most Webb 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 Webb mirror the Laredo baseline. Conforming limits run $806,500 for 1-unit. VA loans are uncapped above conforming limits for full-entitlement veterans.
Property tax in Webb 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 — file with the appraisal district on or before April 30 of the year following purchase.
Laredo + Cross-Border Trade
Webb County is anchored by Laredo (county seat, ~257,000) — the largest US-Mexico land port by trade volume. Bridges across the Rio Grande connect Laredo to Nuevo Laredo, Mexico. Texas A&M International University (TAMIU) + Laredo College anchor higher-ed. United ISD (the largest, serving most of the urbanized county), Laredo ISD (urban core), and Webb CISD (smaller rural portion) serve the county. Most Webb County buyers route through state-level TSAHC and TDHCA programs.
Income Limits
Webb 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 ~$123,500 (any household size) | up to ~$544,232 |
| My First Texas Home (TDHCA) | up to ~$98,800 (1–2 persons) / ~$113,620 (3+) | up to ~$544,232 |
| My Choice Texas Home (TDHCA) | up to ~$119,510 (conventional) / ~$167,960 (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 — Webb County
VA
VA loans are uncapped above conforming limits for full-entitlement veterans.
Cities in Webb County
City pillars for this county are coming soon.