What is the 2026 FHA loan limit in Austin?

$571,550 for a one-unit home in Travis County.

Can I run a short-term rental in Austin?

Yes, with a city STR license. Austin allows up to two licensed STRs per lot, and platforms must display the license number.

Do I need a jumbo loan in Austin?

Only if your loan is above $832,750. Many central Austin purchases do, while suburbs such as Pflugerville and Leander usually fit conforming limits.

Is Nick Grisanti licensed to lend in Austin?

Yes. Nick is licensed as a Mortgage Loan Originator in Texas (TX SML licensed), and loans are originated through C2 Financial Corporation, NMLS #135622.

Travis County · Texas

Mortgages in Austin.

Nick Grisanti

Mortgage Loan Originator · NMLS #2719729FL #LO138662 · OH #MLO-OH.2719729 · TN #2719729 · TX SML licensedC2 Financial Corporation · NMLS #135622

Purchase, jumbo, refinance, Texas home equity and rental property loans in Austin, from 100+ wholesale lenders through C2 Financial Corporation.

$571,5502026 FHA limit, Travis County
100+Wholesale lenders

Step 1 of 4

What can we help you with?

A few details

Credit score, roughly

When are you hoping to close?

Main income type

First home you've bought?

Monthly debt payments (car, student, cards)

Served in the military? (optional)

How will it be rented?

How do you know the rent?

Expected gross rent per month

Prepayment penalty you could accept

How would you document income?

Renovation budget

Value after renovation (estimate)

Plan when it's done

The lot

Lot value (estimate)

Construction budget

Plans and permits

Who is building it?

When it's finished, you'll

Buying in your name or an LLC?

Projects in the last 3 years

Include taxes and insurance in the monthly payment?

Loan amount, if you know it

2026

Austin by the numbers

Austin is one of Texas's priciest markets. Travis County's 2026 FHA limit is $571,550, and many purchases in central Austin run past the $832,750 conforming limit into jumbo territory.

FHA · 1 unit · Travis County $571,550 Above the $541,287 national floor because of Travis County's higher home prices.

Conforming · 1 unit $832,750 Loans above this are jumbo loans.

Median sale price $560,000 City of Austin median sale price, August 2026 (Unlock MLS).

City tax rate $0.5799 City of Austin rate per $100 of value, tax year 2026. County, school district and special district rates are added on top.

State income tax None Texas has no state income tax, and no transfer tax on home sales.

Check your county's FHA limit with HUD's lookup. Two- to four-unit properties have higher limits. Nick confirms the current figures for your county before every rate lock.

Local rules and costs

What buyers in Austin should know

Short-term rentals City STR license required Austin allows short-term rentals in residential areas with a city license, up to two per lot. Since July 2026, platforms must show the license number and remove unlicensed listings. Austin STR rules → Loan size Jumbo is common With a city median near $560,000, many central Austin homes need loans above the $832,750 conforming limit. Jumbo loans → Taxes File your homestead by April 30 A Texas homestead takes $140,000 off your home's value for school taxes ($60,000 more at 65+ or disabled). File with the appraisal district by April 30 of the year after you buy. Comptroller exemptions → First-time buyers TDHCA and TSAHC programs State programs such as My First Texas Home, My Choice Texas Home, Homes for Texas Heroes and Home Sweet Texas offer down payment help of up to 5%. Income and price limits apply. TDHCA programs → Investors Rental property in Austin A DSCR loan qualifies on the property's rent rather than your personal income, which suits investors who own several properties or live outside Austin. How DSCR works →

About Austin

Living and buying in Austin

Austin's largest employers are the State of Texas, the University of Texas and Tesla, and tech jobs make up a much larger share of employment than nationally.

Buyers look at central neighborhoods such as Mueller, Hyde Park, Travis Heights, Zilker and Allandale, and suburbs such as Round Rock, Pflugerville, Cedar Park and Leander.

Neighborhoods

Where buyers look

Mueller
Hyde Park
Travis Heights
Zilker
Allandale
Round Rock
Pflugerville
Cedar Park
Leander

Schools: Austin ISD is the main district; Round Rock, Leander, Pflugerville, Del Valle and Eanes ISDs cover parts of the city. Check the district for any specific address before you buy.

Loans in Austin

Loan programs

Most common Conventional Fannie Mae and Freddie Mac loans for primary homes, second homes and investment property. Conventional loans → Flexible credit FHA Low down payment for a Austin home you'll live in, with local down payment help. FHA in Austin → Veterans VA For eligible veterans, service members and surviving spouses. VA loans → Higher prices Jumbo Loan amounts above the conforming limit. Jumbo loans → Investors DSCR Buy or refinance a Austin rental on the property's rental income. DSCR in Austin → Self-employed Bank statement For self-employed borrowers whose tax returns understate their income. Bank statement loans → Home equity HELOC and cash-out Borrow against your home's equity with a line of credit or a cash-out refinance. Compare options →

Not every lender offers every program in every state, and all loans are subject to credit approval and program guidelines. Nick compares 100+ wholesale lenders through C2 Financial Corporation to find the programs that fit your scenario.

Questions

Austin mortgage FAQ

What is the 2026 FHA loan limit in Austin?: $571,550 for a one-unit home in Travis County.
Can I run a short-term rental in Austin?: Yes, with a city STR license. Austin allows up to two licensed STRs per lot, and platforms must display the license number.
Do I need a jumbo loan in Austin?: Only if your loan is above $832,750. Many central Austin purchases do, while suburbs such as Pflugerville and Leander usually fit conforming limits.
Is Nick Grisanti licensed to lend in Austin?: Yes. Nick is licensed as a Mortgage Loan Originator in Texas (TX SML licensed), and loans are originated through C2 Financial Corporation, NMLS #135622.