Bexar County, TX Conforming Loan Limit — 2026

A 20% down payment on a median Bexar County home requires $52,000 in cash — or $9,100 for an FHA-minimum 3.5% down payment. Buyers with less than 20% down will also need to budget for PMI or FHA MIP.

Bexar County's median home value of $260,000 is close to the national median of $310,000, putting most buyers in the conforming loan range with conventional or FHA options readily available.

Bexar County's $260,000 median sits between El Paso County ($195,000) and Travis County ($560,000) within the Texas counties we track.

Bexar County's effective property tax rate of 2.14% is 95% above the 1.10% national average across the markets we track — placing it among the top 20% highest-tax counties in our dataset.

Based on the 2.14% effective rate and a median home value of $260,000, a typical homeowner in Bexar County pays approximately $5,564 in annual property taxes — or $464 per month added to their mortgage payment.

Sources: Tax Foundation 2025

Homeowners insurance in Bexar County averages around $2,900/year ($242/month) — roughly 81% above the national average of $1,600.

Premium quotes in Bexar County typically range from $2,000 to $4,200 per year depending on home age, construction type, coverage limits, and your insurer. Always get multiple quotes.

Sources: NAIC 2024

A buyer purchasing the median Bexar County home ($260,000) with FHA's minimum 3.5% down would borrow $250,900 — well within the $541,287 baseline FHA limit for this county. FHA financing is a viable option for most buyers here.

With 20% down on a median-priced home, the loan amount of $208,000 stays $624,750 below the $832,750 conforming limit — giving buyers access to conventional Fannie/Freddie pricing without jumbo underwriting.

Sources: HUD ML 2025-23, FHFA 2026