Central Texas
Travis County
Travis County is Austin, where rising prices make the down payment the hardest part of buying. Eligible buyers may close that gap with TSAHC or TDHCA down payment assistance and the federal MCC tax credit, and within Austin city limits the City's own program is worth knowing about. The income limits here are among the highest in the state. TSAHC's 2026 limits in Travis County may reach about $201,600 for Home Sweet Texas and $228,480 for Homes for Texas Heroes, at any household size.
Quick Facts
- County seat Austin
- Region Central Texas
- Population 1,318,370
- Home Sweet Texas income limit (non-targeted) ~$201,600
- FHA loan limit $571,550 Source: hud.gov
- FIPS code 48453
What Buyers Should Know
Travis County contains the City of Austin plus Lakeway, Bee Cave, West Lake Hills, Rollingwood, Lago Vista, Pflugerville (partial), Cedar Park (partial), and Manor. Downtown Austin, South Congress, East Austin, Hyde Park, Tarrytown, Westlake, and Mueller anchor the urban core. The Austin-Bergstrom International Airport and the major tech corridor (along MoPac, Domain, and Northeast) generate the highest median home prices in the region. TSAHC’s county income limits for Travis County are among the highest in Texas: household income up to about $201,600 for Home Sweet Texas and $228,480 for Homes for Texas Heroes, at any household size. The City of Austin Down Payment Assistance Program applies only inside Austin city limits — see our Austin down payment assistance guide for full detail. Property tax averages around 1.97% (verify at Travis Central Appraisal District).
Income Limits
Travis County Down Payment Assistance Income Limits
| Program | Max household income (non-targeted) | Max purchase price |
|---|---|---|
| Home Sweet Texas (TSAHC) | up to ~$201,600 (any household size) | bond DPA or MCC only: up to ~$598,019 |
| Homes for Texas Heroes (TSAHC) | up to ~$228,480 (any household size) | bond DPA or MCC only: up to ~$598,019 |
| My First Texas Home (TDHCA) | up to ~$134,400 (1–2 persons) / ~$154,560 (3+) | up to ~$598,019 |
| My Choice Texas Home (TDHCA) | up to ~$228,480 (conventional) / ~$228,480 (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. | ||
Source: TSAHC county income limits + TDHCA Income & Purchase Price Limits
Loan Limits — Travis County
VA
VA loans are uncapped above conforming limits for full-entitlement veterans.
Cities in Travis County
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Austin Down Payment Assistance
A clear guide to down payment assistance in Austin, TX. See 2026 income limits, TSAHC and TDHCA programs, the MCC tax credit, and who actually qualifies in Travis County.
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Pflugerville Down Payment Assistance: 2026 Programs & Income Limits
Pflugerville buyers may qualify for up to 5% in down payment help, with TSAHC income limits up to $201,600 in Travis County. See which program fits you.
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School Districts in Travis County
School District pillars for this county are coming soon.
Related Guides
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Boerne Down Payment Assistance: 2026 Limits for Kendall County
Kendall County carries unusually generous income limits, up to ~$209,550. In Boerne the price cap is the real constraint, not your paycheck. See what fits.
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Seguin Down Payment Assistance: 2026 Programs and Limits
Seguin is the affordable end of the I-10 corridor, and the price cap never binds here. See which programs may put up to about 5% toward your costs.
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Buda Down Payment Assistance: 2026 Programs and Limits
Hays County carries some of the highest assistance limits in Texas. Buda buyers may qualify at incomes up to approximately $201,600. See where you actually land.
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Hutto Down Payment Assistance: 2026 Guide for Buyers
You do not need to be a first-time buyer in Hutto. Williamson County limits may reach ~$228,480 with My Choice Texas Home. See which programs fit you.
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