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. TSAHC's 2026 limits in Lubbock County may reach about $155,122 for Home Sweet Texas and $175,805 for Homes for Texas Heroes, at any household size.

Quick Facts

County seat Lubbock
Region West Texas
Population 320,000
Home Sweet Texas income limit (non-targeted) ~$155,122
FHA loan limit $541,287 Source: hud.gov
FIPS code 48303

What Buyers Should Know

In Lubbock County, TSAHC’s county income limits may allow household income up to about $155,122 for Home Sweet Texas and $175,805 for Homes for Texas Heroes, at any household size. Many Lubbock County buyers may qualify for at least one TSAHC or TDHCA program; targeted areas are specific census tracts, not whole counties, so ask your lender whether a home’s address falls in one; outside those tracts, the standard income limits and first-time buyer rules apply.

FHA loan limits in Lubbock mirror the Lubbock baseline. The 2026 conforming loan limit is $832,750 for a 1-unit home. 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 $140,000 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 (TSAHC)	up to ~$155,122 (any household size)	bond DPA or MCC only: up to ~$566,354
Homes for Texas Heroes (TSAHC)	up to ~$175,805 (any household size)	bond DPA or MCC only: up to ~$566,354
My First Texas Home (TDHCA)	up to ~$101,500 (1–2 persons) / ~$116,725 (3+)	up to ~$566,354
My Choice Texas Home (TDHCA)	up to ~$152,150 (conventional) / ~$172,550 (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 limits apply at any household size, and Homes for Texas Heroes has a higher limit than Home Sweet Texas; TSAHC's purchase price limit applies to bond-funded assistance and the MCC. 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, so confirm your county's current figure with a participating lender before applying.