Texas Section 538 income limits for FY2026

A Section 538 tenant can earn up to 115% of area median income at move-in. In Texas that limit for a family of four runs from $50,500 in Zapata County, TX to $166,400 in Kendall County, TX. Limits took effect July 13, 2026.

Source: USDA Rural Development, FY2026 MFH income limits, "RD 538 GUAR MOD INC" row, effective July 13, 2026. Persons in the household.
Area	1	2	3	4	5	6	7	8
Abilene, TX metro area	74,150	84,700	95,300	105,900	114,350	122,850	131,300	139,800
Amarillo, TX metro area	77,100	88,100	99,100	110,150	118,950	127,800	136,550	145,350
Oldham County, TX part of the Amarillo, TX metro area	72,200	82,500	92,850	103,150	111,400	119,650	127,900	136,150
Austin-Round Rock-San Marcos, TX metro area	108,200	123,650	139,100	154,550	166,900	179,300	191,650	204,000
Beaumont-Port Arthur, TX metro area	70,650	80,750	90,850	100,950	109,050	117,100	125,200	133,250
Brownsville-Harlingen, TX metro area	53,550	61,200	68,850	76,500	82,600	88,750	94,850	101,000
College Station-Bryan, TX metro area	78,350	89,550	100,750	111,950	120,900	129,900	138,850	147,800
Aransas County, TX part of the Corpus Christi, TX metro area	69,850	79,850	89,800	99,800	107,800	115,750	123,750	131,750
Corpus Christi, TX metro area	67,400	77,000	86,650	96,250	103,950	111,650	119,350	127,050
Dallas, TX part of the Dallas-Fort Worth-Arlington, TX metro area	97,500	111,400	125,350	139,250	150,400	161,550	172,650	183,800
Fort Worth-Arlington, TX part of the Dallas-Fort Worth-Arlington, TX metro area	88,800	101,500	114,150	126,850	137,000	147,150	157,300	167,450
Wise County, TX part of the Dallas-Fort Worth-Arlington, TX metro area	90,400	103,300	116,250	129,150	139,500	149,800	160,150	170,500
Eagle Pass, TX metro area	53,400	61,000	68,650	76,250	82,350	88,450	94,550	100,650
El Paso, TX metro area	59,100	67,500	75,950	84,400	91,150	97,900	104,650	111,400
Hudspeth County, TX metro area	47,300	54,050	60,850	67,550	73,000	78,400	83,850	89,300
Austin County, TX part of the Houston-Pasadena-The Woodlands, TX metro area	83,700	95,700	107,650	119,600	129,150	138,750	148,300	157,850
Brazoria County, TX part of the Houston-Pasadena-The Woodlands, TX metro area	101,450	115,900	130,400	144,900	156,500	168,100	179,700	191,250
Houston-The Woodlands-Sugar Land, TX part of the Houston-Pasadena-The Woodlands, TX metro area	83,700	95,700	107,650	119,600	129,150	138,750	148,300	157,850
San Jacinto County, TX part of the Houston-Pasadena-The Woodlands, TX metro area	64,800	74,100	83,350	92,600	100,000	107,400	114,800	122,250
Killeen-Temple, TX metro area	68,500	78,300	88,050	97,850	105,700	113,500	121,350	129,150
Lampasas County, TX part of the Killeen-Temple, TX metro area	85,600	97,800	110,050	122,250	132,050	141,800	151,600	161,350
Laredo, TX metro area	59,550	68,100	76,600	85,100	91,900	98,700	105,500	112,350
Harrison County, TX part of the Longview, TX metro area	75,750	86,550	97,400	108,200	116,850	125,500	134,150	142,800
Longview, TX metro area	68,450	78,300	88,050	97,850	105,650	113,500	121,350	129,150
Rusk County, TX part of the Longview, TX metro area	70,750	80,900	91,000	101,100	109,200	117,300	125,350	133,450
Cochran County, TX part of the Lubbock, TX metro area	46,850	53,550	60,250	66,950	72,300	77,650	83,000	88,350
Garza County, TX part of the Lubbock, TX metro area	71,900	82,150	92,450	102,700	110,900	119,150	127,350	135,550
Hockley County, TX part of the Lubbock, TX metro area	64,550	73,800	82,950	92,200	99,600	106,950	114,300	121,750
Lubbock, TX metro area	73,200	83,650	94,100	104,550	112,900	121,300	129,650	138,000
Lynn County, TX metro area	71,100	81,200	91,400	101,550	109,650	117,850	125,950	134,050
McAllen-Edinburg-Mission, TX metro area	51,500	58,900	66,250	73,600	79,500	85,400	91,250	97,150
Martin County, TX part of the Midland, TX metro area	81,050	92,650	104,200	115,800	125,050	134,350	143,600	152,850
Midland, TX metro area	93,550	106,900	120,250	133,600	144,300	155,050	165,700	176,400
Odessa, TX metro area	73,350	83,800	94,300	104,750	113,150	121,500	129,900	138,250
San Angelo, TX metro area	72,400	82,750	93,100	103,450	111,700	120,000	128,250	136,550
Atascosa County, TX part of the San Antonio-New Braunfels, TX metro area	69,950	79,950	89,950	99,950	107,950	115,950	123,950	131,950
Kendall County, TX part of the San Antonio-New Braunfels, TX metro area	116,500	133,100	149,750	166,400	179,700	193,000	206,350	219,650
Medina County, TX part of the San Antonio-New Braunfels, TX metro area	81,300	92,900	104,550	116,150	125,450	134,750	144,050	153,300
San Antonio-New Braunfels, TX metro area	81,000	92,550	104,150	115,700	124,950	134,200	143,450	152,700
Sherman-Denison, TX metro area	79,150	90,450	101,750	113,050	122,100	131,150	140,200	149,250
Texarkana, TX-Texarkana, AR part of the Texarkana, TX-AR metro area	63,050	72,050	81,050	90,050	97,250	104,450	111,650	118,850
Tyler, TX metro area	78,350	89,500	100,700	111,900	120,850	129,800	138,750	147,700
Victoria, TX metro area	67,350	77,000	86,650	96,250	103,950	111,600	119,350	127,050
Bosque County, TX part of the Waco, TX metro area	71,350	81,500	91,700	101,900	110,050	118,200	126,350	134,500
Falls County, TX part of the Waco, TX metro area	61,250	70,000	78,750	87,500	94,500	101,500	108,500	115,500
Waco, TX metro area	72,700	83,100	93,450	103,850	112,150	120,450	128,750	137,100
Wichita Falls, TX metro area	73,450	83,900	94,400	104,900	113,300	121,700	130,100	138,450
Anderson County, TX	63,050	72,050	81,050	90,050	97,250	104,450	111,650	118,850
Andrews County, TX	81,750	93,400	105,100	116,750	126,100	135,450	144,750	154,100
Angelina County, TX	63,650	72,750	81,850	90,950	98,250	105,500	112,800	120,050
Bailey County, TX	73,200	83,650	94,100	104,550	112,900	121,300	129,650	138,000
Baylor County, TX	59,500	68,000	76,500	85,000	91,800	98,600	105,400	112,200
Bee County, TX	65,950	75,350	84,800	94,200	101,750	109,250	116,800	124,350
Blanco County, TX	85,900	98,150	110,450	122,700	132,500	142,350	152,150	161,950
Borden County, TX	86,950	99,350	111,800	124,200	134,150	144,050	154,000	163,950
Brewster County, TX	64,450	73,700	82,900	92,100	99,450	106,850	114,200	121,550
Briscoe County, TX	51,850	59,250	66,650	74,050	79,950	85,900	91,800	97,750
Brooks County, TX	37,750	43,200	48,600	54,000	58,350	62,600	66,950	71,250
Brown County, TX	61,750	70,550	79,400	88,200	95,250	102,300	109,350	116,400
Burnet County, TX	80,800	92,350	103,900	115,450	124,700	133,900	143,150	152,400
Calhoun County, TX	78,400	89,600	100,800	112,000	120,950	129,900	138,900	147,850
Camp County, TX	61,700	70,500	79,350	88,150	95,200	102,200	109,300	116,350
Cass County, TX	57,350	65,500	73,700	81,900	88,450	95,000	101,550	108,100
Castro County, TX	56,350	64,400	72,450	80,500	86,950	93,400	99,800	106,250
Cherokee County, TX	58,500	66,900	75,250	83,600	90,300	97,000	103,650	110,350
Childress County, TX	61,650	70,500	79,300	88,100	95,150	102,200	109,250	116,300
Coke County, TX	64,000	73,150	82,300	91,450	98,750	106,100	113,400	120,700
Coleman County, TX	55,950	63,950	71,950	79,950	86,350	92,750	99,150	105,550
Collingsworth County, TX	59,200	67,650	76,100	84,550	91,300	98,100	104,850	111,600
Colorado County, TX	74,800	85,500	96,150	106,850	115,400	123,950	132,500	141,050
Comanche County, TX	71,350	81,500	91,700	101,900	110,050	118,200	126,350	134,500
Concho County, TX	63,350	72,400	81,450	90,500	97,750	105,000	112,200	119,450
Cooke County, TX	80,000	91,450	102,850	114,300	123,450	132,600	141,750	150,900
Cottle County, TX	56,250	64,250	72,300	80,350	86,750	93,250	99,650	106,050
Crane County, TX	72,200	82,500	92,850	103,150	111,400	119,650	127,900	136,150
Crockett County, TX	61,850	70,700	79,550	88,350	95,450	102,550	109,600	116,700
Culberson County, TX	45,750	52,250	58,750	65,300	70,550	75,750	81,000	86,200
Dallam County, TX	73,200	83,650	94,100	104,550	112,900	121,300	129,650	138,000
Dawson County, TX	58,950	67,350	75,800	84,200	90,950	97,650	104,400	111,150
DeWitt County, TX	62,400	71,300	80,250	89,150	96,300	103,400	110,550	117,700
Deaf Smith County, TX	53,700	61,350	69,050	76,700	82,850	88,950	95,100	101,250
Delta County, TX	74,850	85,550	96,250	106,950	115,500	124,050	132,600	141,150
Dickens County, TX	59,350	67,800	76,300	84,750	91,550	98,300	105,100	111,850
Dimmit County, TX	36,050	41,250	46,400	51,550	55,700	59,750	63,950	68,050
Donley County, TX	68,450	78,200	88,000	97,750	105,550	113,400	121,200	129,050
Duval County, TX	56,400	64,500	72,550	80,600	87,050	93,500	99,950	106,400
Eastland County, TX	60,550	69,150	77,850	86,500	93,400	100,350	107,250	114,150
Edwards County, TX	43,800	50,050	56,300	62,550	67,550	72,550	77,550	82,550
Erath County, TX	74,250	84,850	95,450	106,050	114,550	123,000	131,500	140,000
Fannin County, TX	72,750	83,150	93,550	103,950	112,250	120,600	128,900	137,200
Fayette County, TX	82,200	93,900	105,650	117,400	126,800	136,200	145,600	154,950
Fisher County, TX	65,950	75,350	84,800	94,200	101,750	109,250	116,800	124,350
Floyd County, TX	54,500	62,300	70,050	77,850	84,100	90,300	96,550	102,750
Foard County, TX	50,350	57,550	64,750	71,950	77,750	83,450	89,250	95,000
Franklin County, TX	69,500	79,400	89,350	99,250	107,200	115,150	123,050	131,000
Freestone County, TX	70,550	80,600	90,700	100,750	108,800	116,850	124,950	133,000
Frio County, TX	57,950	66,250	74,500	82,800	89,400	96,050	102,650	109,300
Gaines County, TX	79,450	90,800	102,150	113,500	122,600	131,700	140,750	149,850
Gillespie County, TX	88,000	100,550	113,150	125,700	135,750	145,800	155,850	165,900
Glasscock County, TX	97,950	111,850	125,850	139,850	151,050	162,300	173,450	184,650
Gonzales County, TX	62,050	70,900	79,800	88,650	95,750	102,850	109,950	117,000
Gray County, TX	62,300	71,200	80,100	89,000	96,100	103,250	110,350	117,500
Grimes County, TX	72,050	82,350	92,650	102,950	111,200	119,400	127,650	135,900
Hale County, TX	55,300	63,200	71,100	79,000	85,300	91,650	97,950	104,300
Hall County, TX	47,800	54,650	61,450	68,300	73,750	79,250	84,700	90,150
Hamilton County, TX	74,000	84,550	95,200	105,750	114,200	122,700	131,150	139,550
Hansford County, TX	76,050	86,900	97,800	108,600	117,350	126,000	134,800	143,400
Hardeman County, TX	67,100	76,650	86,250	95,850	103,500	111,200	118,850	126,550
Hartley County, TX	85,000	97,150	109,300	121,450	131,150	140,900	150,600	160,300
Haskell County, TX	63,900	73,050	82,150	91,300	98,600	105,900	113,200	120,500
Hemphill County, TX	98,750	112,900	127,000	141,100	152,400	163,700	174,950	186,250
Henderson County, TX	69,550	79,550	89,500	99,450	107,350	115,400	123,300	131,250
Hill County, TX	68,250	78,000	87,750	97,500	105,300	113,100	120,900	128,700
Hood County, TX	87,750	100,250	112,800	125,300	135,350	145,350	155,400	165,400
Hopkins County, TX	71,350	81,500	91,700	101,900	110,050	118,200	126,350	134,500
Houston County, TX	64,800	74,050	83,400	92,650	100,000	107,450	114,950	122,350
Howard County, TX	74,800	85,500	96,150	106,850	115,450	123,950	132,550	141,050
Hutchinson County, TX	81,150	92,700	104,300	115,900	125,150	134,450	143,700	153,000
Jack County, TX	65,300	74,600	83,950	93,250	100,700	108,150	115,650	123,100
Jackson County, TX	68,450	78,200	88,000	97,750	105,550	113,400	121,200	129,050
Jasper County, TX	59,900	68,450	77,000	85,550	92,400	99,250	106,100	112,950
Jeff Davis County, TX	67,400	77,000	86,650	96,250	103,950	111,650	119,350	127,050
Jim Hogg County, TX	41,850	47,850	53,800	59,800	64,600	69,350	74,150	78,950
Jim Wells County, TX	52,950	60,500	68,100	75,650	81,700	87,750	93,800	99,850
Karnes County, TX	68,800	78,650	88,400	98,250	106,150	114,000	121,850	129,700
Kenedy County, TX	45,700	52,250	58,700	65,250	70,500	75,700	80,950	86,150
Kent County, TX	80,000	91,450	102,850	114,300	123,450	132,600	141,750	150,900
Kerr County, TX	77,450	88,500	99,600	110,650	119,500	128,350	137,200	146,050
Kimble County, TX	80,800	92,350	103,900	115,450	124,700	133,900	143,150	152,400
King County, TX	56,250	64,250	72,300	80,350	86,750	93,250	99,650	106,050
Kinney County, TX	62,600	71,550	80,500	89,450	96,600	103,750	110,900	118,050
Kleberg County, TX	62,700	71,700	80,650	89,600	96,750	103,950	111,100	118,250
Knox County, TX	57,600	65,800	74,050	82,250	88,850	95,400	102,000	108,550
La Salle County, TX	52,350	59,800	67,300	74,750	80,750	86,700	92,700	98,650
Lamar County, TX	68,250	78,000	87,750	97,500	105,300	113,100	120,900	128,700
Lamb County, TX	63,300	72,300	81,350	90,400	97,650	104,850	112,100	119,350
Lavaca County, TX	75,450	86,200	97,000	107,750	116,350	125,000	133,600	142,250
Lee County, TX	71,700	81,950	92,200	102,450	110,650	118,850	127,050	135,250
Leon County, TX	65,000	74,350	83,650	92,950	100,350	107,800	115,200	122,700
Limestone County, TX	57,950	66,250	74,500	82,800	89,400	96,050	102,650	109,300
Lipscomb County, TX	71,700	81,900	92,150	102,400	110,550	118,750	126,950	135,150
Live Oak County, TX	62,950	71,950	80,950	89,950	97,150	104,350	111,550	118,750
Llano County, TX	77,300	88,300	99,350	110,400	119,250	128,050	136,900	145,750
Loving County, TX	67,400	77,000	86,650	96,250	103,950	111,650	119,350	127,050
Madison County, TX	74,350	85,000	95,600	106,250	114,750	123,250	131,750	140,250
Marion County, TX	58,000	66,300	74,550	82,850	89,500	96,100	102,750	109,350
Mason County, TX	83,000	94,850	106,700	118,550	128,050	137,500	147,000	156,500
Matagorda County, TX	61,650	70,500	79,300	88,100	95,150	102,200	109,250	116,300
McCulloch County, TX	64,950	74,250	83,500	92,750	100,150	107,650	115,050	122,500
McMullen County, TX	64,650	73,900	83,100	92,350	99,750	107,150	114,500	121,900
Menard County, TX	73,250	83,700	94,200	104,650	113,000	121,400	129,750	138,150
Milam County, TX	69,150	79,050	88,900	98,800	106,700	114,600	122,500	130,400
Mills County, TX	67,700	77,450	87,150	96,800	104,550	112,300	120,000	127,800
Mitchell County, TX	84,300	96,300	108,350	120,400	130,050	139,650	149,300	158,950
Montague County, TX	69,550	79,500	89,400	99,350	107,300	115,250	123,200	131,150
Moore County, TX	59,250	67,700	76,200	84,650	91,400	98,200	104,950	111,750
Morris County, TX	60,300	68,900	77,550	86,150	93,050	99,950	106,850	113,700
Motley County, TX	64,150	73,300	82,500	91,650	99,000	106,300	113,650	121,000
Nacogdoches County, TX	62,950	71,950	80,900	89,950	97,150	104,350	111,500	118,700
Navarro County, TX	68,200	77,900	87,650	97,400	105,200	113,000	120,800	128,550
Newton County, TX	55,700	63,700	71,650	79,600	85,950	92,350	98,700	105,050
Nolan County, TX	52,250	59,700	67,200	74,650	80,600	86,600	92,550	98,550
Ochiltree County, TX	73,500	84,000	94,500	105,000	113,400	121,800	130,200	138,600
Palo Pinto County, TX	68,350	78,100	87,900	97,650	105,450	113,250	121,100	128,900
Panola County, TX	72,750	83,150	93,550	103,950	112,250	120,600	128,900	137,200
Parmer County, TX	70,200	80,250	90,250	100,300	108,300	116,350	124,350	132,400
Pecos County, TX	67,000	76,550	86,150	95,750	103,400	111,000	118,700	126,350
Polk County, TX	62,250	71,100	80,000	88,900	96,000	103,100	110,250	117,350
Presidio County, TX	38,500	43,900	49,500	54,900	59,300	63,650	68,100	72,500
Rains County, TX	68,750	78,500	88,350	98,150	106,000	113,900	121,700	129,550
Reagan County, TX	70,550	80,600	90,700	100,750	108,800	116,850	124,950	133,000
Real County, TX	55,800	63,750	71,750	79,700	86,100	92,450	98,850	105,200
Red River County, TX	51,200	58,500	65,850	73,150	79,000	84,850	90,700	96,550
Reeves County, TX	61,650	70,450	79,250	88,050	95,050	102,100	109,150	116,200
Refugio County, TX	62,050	71,000	79,800	88,700	95,800	102,900	110,000	117,150
Roberts County, TX	72,050	82,350	92,650	102,950	111,200	119,400	127,650	135,900
Runnels County, TX	61,250	70,000	78,800	87,500	94,500	101,500	108,550	115,550
Sabine County, TX	64,250	73,450	82,700	91,900	99,200	106,550	113,950	121,300
San Augustine County, TX	47,750	54,650	61,450	68,300	73,750	79,250	84,700	90,100
San Saba County, TX	59,200	67,650	76,100	84,550	91,300	98,100	104,850	111,600
Schleicher County, TX	77,550	88,600	99,700	110,750	119,600	128,450	137,350	146,200
Scurry County, TX	71,150	81,300	91,450	101,600	109,750	117,900	126,050	134,150
Shackelford County, TX	75,100	85,950	96,600	107,400	115,950	124,550	133,150	141,700
Shelby County, TX	52,100	59,500	66,950	74,400	80,350	86,300	92,250	98,200
Sherman County, TX	73,200	83,650	94,100	104,550	112,900	121,300	129,650	138,000
Somervell County, TX	86,450	98,800	111,150	123,500	133,400	143,250	153,150	163,000
Starr County, TX	41,000	46,850	52,700	58,550	63,250	67,900	72,600	77,300
Stephens County, TX	62,300	71,200	80,100	89,000	96,100	103,250	110,350	117,500
Sterling County, TX	70,400	80,400	90,500	100,500	108,550	116,650	124,650	132,750
Stonewall County, TX	78,950	90,250	101,500	112,800	121,800	130,850	139,850	148,900
Sutton County, TX	60,000	68,550	77,150	85,700	92,550	99,400	106,250	113,100
Swisher County, TX	50,300	57,500	64,650	71,850	77,600	83,350	89,100	94,850
Terrell County, TX	60,450	69,100	77,700	86,350	93,250	100,150	107,050	114,000
Terry County, TX	49,600	56,700	63,750	70,850	76,500	82,200	87,850	93,500
Throckmorton County, TX	63,100	72,100	81,150	90,150	97,350	104,550	111,800	119,000
Titus County, TX	61,750	70,550	79,400	88,200	95,250	102,300	109,350	116,400
Trinity County, TX	60,800	69,500	78,200	86,850	93,850	100,800	107,750	114,700
Tyler County, TX	59,900	68,450	77,000	85,550	92,400	99,250	106,100	112,950
Upton County, TX	66,650	76,150	85,700	95,200	102,800	110,450	118,050	125,650
Uvalde County, TX	56,350	64,400	72,450	80,500	86,950	93,400	99,800	106,250
Val Verde County, TX	62,500	71,400	80,350	89,250	96,400	103,550	110,650	117,800
Van Zandt County, TX	70,300	80,350	90,400	100,450	108,500	116,500	124,600	132,650
Walker County, TX	67,750	77,400	87,100	96,800	104,550	112,300	120,000	127,750
Ward County, TX	65,050	74,300	83,600	92,900	100,350	107,750	115,200	122,650
Washington County, TX	81,800	93,500	105,150	116,850	126,200	135,550	144,900	154,250
Wharton County, TX	68,850	78,700	88,500	98,350	106,200	114,100	121,950	129,800
Wheeler County, TX	61,600	70,400	79,200	88,000	95,050	102,100	109,100	116,150
Wilbarger County, TX	65,450	74,800	84,150	93,500	101,000	108,450	115,950	123,400
Willacy County, TX	51,500	58,900	66,250	73,600	79,500	85,400	91,300	97,150
Winkler County, TX	86,200	98,500	110,850	123,150	133,000	142,850	152,700	162,550
Wood County, TX	69,700	79,700	89,650	99,600	107,550	115,550	123,500	131,450
Yoakum County, TX	79,200	90,500	101,850	113,150	122,200	131,250	140,300	149,350
Young County, TX	74,850	85,550	96,250	106,950	115,500	124,050	132,600	141,150
Zapata County, TX	35,350	40,400	45,450	50,500	54,550	58,600	62,600	66,650
Zavala County, TX	45,000	51,450	57,850	64,300	69,450	74,600	79,750	84,900

From income limit to rent cap

Two rent rules apply under 7 CFR 3565.203. Each unit's rent, counting tenant-paid utilities, can't exceed 30% of 115% of area median income adjusted for family size, which is 30% of the figure in the table for the household size you assume, divided by 12. And across the whole project, the average rent can't exceed 30% of 100% of area median income each year.

Worked example for Abilene, TX: the four-person limit is $105,900, so the per-unit cap for a unit sized for four people is $2,647 a month including utilities. The project-average cap uses 100% of median instead of 115%, roughly $2,302 a month at the four-person size. Which household size applies to each bedroom count is set in USDA's program handbook; confirm it with your lender.

Income is tested only at move-in. A tenant whose income later rises above the limit can stay (7 CFR 3565.202(a)). Want to see what those rents support in debt? Run them through the 538 loan sizer.

All 215 Texas areas and every other state in one file: 538 income limits download.

Texas Section 538 income limits for FY2026

From income limit to rent cap

Get the FY2027 Texas limits when USDA posts them