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. TSAHC's 2026 limits in Webb County may reach about $152,250 for Home Sweet Texas and $172,550 for Homes for Texas Heroes, at any household size.

Quick Facts

County seat Laredo
Region Central Texas
Population 270,000
Home Sweet Texas income limit (non-targeted) ~$152,250
FHA loan limit $541,287 Source: hud.gov
FIPS code 48479

What Buyers Should Know

In Webb County, TSAHC’s county income limits may allow household income up to about $152,250 for Home Sweet Texas and $172,550 for Homes for Texas Heroes, at any household size. Many Webb 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 Webb mirror the Laredo 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 Webb County averages around 2.36% 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.

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 (TSAHC)	up to ~$152,250 (any household size)	bond DPA or MCC only: up to ~$566,354
Homes for Texas Heroes (TSAHC)	up to ~$172,550 (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 ~$125,800 (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.