FHA Loans in Austin, TX

Austin is the highest-priced Texas market in this network, and that makes the FHA loan limit the central consideration for buyers here. For 2026, Travis County and the surrounding Austin–Round Rock MSA counties carry a limit of $571,550 — the highest of any county we serve — but with a median sale price around $550,000, Austin sits close to that ceiling. Many homes still qualify, but buyers need to plan around the limit more carefully than in lower-priced Texas metros.

FHA remains valuable in Austin precisely because prices are high and saving a large down payment is difficult. The 3.5% minimum down payment for buyers with a 580 or higher credit score (10% down for scores of 500–579) reduces the cash needed to enter one of the tightest markets in the state. Where a home prices above the $571,550 limit, FHA can still be used with a larger down payment to bring the loan amount within the cap, or buyers can focus on condos and homes in outlying parts of Travis County that price under the limit.

Austin’s economy is powered by technology — Dell, Tesla, Apple, and a dense startup ecosystem — plus the University of Texas and health care through Ascension Seton. Wages are strong, which helps buyers qualify, but home prices have risen faster than many households’ savings, keeping FHA relevant for first-time buyers. East Austin, South Austin, and suburban Pflugerville, Manor, and Del Valle offer the most realistic FHA price points.

Because Texas property taxes are high and Austin values are elevated, the escrowed tax portion of an Austin FHA payment is substantial — budgeting the full monthly payment is essential here.