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.