West Texas
Lubbock County
Lubbock County and the South Plains offer some of the most affordable homes in Texas, and assistance makes buying easier still. Eligible buyers may qualify for TSAHC or TDHCA down payment help plus the MCC tax credit, often closing with little cash out of pocket.
Quick Facts
- County seat Lubbock
- Region West Texas
- Population 320,000
- TSAHC income limit (non-targeted) ~$123,500
- FHA loan limit $541,287 Source: hud.gov
- FIPS code 48303
What Buyers Should Know
Lubbock County’s 2026 HUD area median income (AMI) for a 4-person household is approximately $87,800, with the TSAHC Heroes 115% AMI ceiling reaching ~$100,970. Most Lubbock 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 Lubbock mirror the Lubbock baseline. Conforming limits run $806,500 for 1-unit. VA loans are uncapped above conforming limits for full-entitlement veterans.
Property tax in Lubbock County averages around 2.04% 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 Tech University + South Plains Anchor
Lubbock County is anchored by Lubbock (county seat, ~265,000) — home to Texas Tech University (~40,000 students) and the Texas Tech University Health Sciences Center. Wolfforth, Shallowater, Idalou, and Slaton anchor the perimeter. The county is the regional commercial hub for the South Plains agricultural area + cotton industry. Lubbock ISD, Frenship ISD, Lubbock-Cooper ISD, Roosevelt ISD, Shallowater ISD, and Idalou ISD serve the county. Most Lubbock County buyers route through state-level TSAHC and TDHCA programs.
Income Limits
Lubbock 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 ~$134,470 (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 — Lubbock County
VA
VA loans are uncapped above conforming limits for full-entitlement veterans.