Mortgage rates and loan limits in Lubbock County, TX
In Lubbock County, a one-unit home loan up to $832,750 is a conforming loan in 2026; anything above that is a jumbo loan. Median home values across the county's ZIP codes run from $83,100 to $279,600. The rate grid below shows illustrative pricing for this county by credit score and down payment.
See all-in costs for Lubbock County2026 conforming loan limit
$832,750
National baseline (FHFA)
Median home value, middle ZIP
$195,900
Census ACS 2023
Texas effective property tax
1.47%
Statewide, 2022
Texas average closing costs
$3,713
Statewide, 2025
2026 conforming loan limits in Lubbock County
Lubbock County uses the national baseline limits set by FHFA. A loan at or under the limit can be sold to Fannie Mae or Freddie Mac and is priced as a conventional conforming loan. A loan above it is a jumbo loan.
| Property | 2026 limit |
|---|---|
| One unit | $832,750 |
| Two units | $1,066,250 |
| Three units | $1,288,800 |
| Four units | $1,601,750 |
Source: Federal Housing Finance Agency (FHFA), conforming loan limit values for 2026.
Home values by ZIP code in Lubbock County
Every ZIP code in the county with Census data. Values are medians for owner-occupied homes, not listing prices.
| ZIP code | Area | Median home value | Median household income |
|---|---|---|---|
| 79424 | Lubbock | $279,600 | $94,703 |
| 79423 | Lubbock County | $222,500 | $82,906 |
| 79416 | Lubbock | $196,900 | $65,200 |
| 79413 | Lubbock | $195,900 | $67,062 |
| 79414 | Lubbock | $150,500 | $49,637 |
| 79415 | Lubbock County | $94,000 | $37,101 |
| 79403 | Lubbock County | $83,100 | $45,343 |
| 79412 | Lubbock | $117,200 | $47,306 |
| 79410 | Lubbock | $211,300 | $48,350 |
| 79382 | Lubbock County | $245,100 | $80,625 |
Source: US Census Bureau ACS 5-Year, 2023 five-year estimates.
Lubbock County mortgage questions
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