What is the income limit for the first Texas home program?
The My First Texas Home Program doesn’t have a single income cap for the whole state. Instead, the limit varies with the county, how many people live in the home, and if the house is in a "targeted area."
In the Austin-Round Rock area — Bastrop, Caldwell, Hays, Travis, and Williamson counties — the current limits are:
1–2 people — $133,800
3+ people — $153,870
If the home is in a targeted area, the mentioned limits increase to $160,560 and $187,320, respectively.
How does the program set the income limit?
The TDHCA publishes these limits using HUD median family income data and IRS program rules. The limit depends on the county where the home is located and the number of qualified residents in the home. For My First Texas Home, income generally includes the borrower’s current gross income plus the income of anyone expected to live in the home and become liable on the Deed of Trust or Mortgage, including a non-purchasing spouse.
| Area | 1–2 people | 3+ people |
|---|---|---|
| Austin-Round Rock — Standard | $133,800 | $153,870 |
| Austin-Round Rock — Targeted Area | $160,560 | $187,320 |
What counts as the Austin area for this program?
For this program, the "Austin-Round Rock MSA" contains 5 counties: Bastrop, Caldwell, Hays, Travis, and Williamson. The income cap is determined by which of these counties the home is located in.
Can the limit change from one buyer to another?
Yes. The specific limit can vary even if you are looking at the same house as someone else. It changes in parallel to the household size & whether the specific street address falls within a "targeted census tract".
The first-time homebuyer requirement may be waived if the home is in a qualified targeted census tract or if the homebuyer or spouse is a qualified veteran, though the other program rules still apply.
What should buyers check before they rely on a number?
Verify the county — confirm exactly which county the property sits in
Count your household — make sure you are counting everyone the program requires
Check the "Targeted" status — ask if the specific address is in a qualified targeted area
Confirm with the lender — limits can be updated; the current figures went into effect May 27, 2025, but the lender will use the rules active at the time the loan is processed
How can Dimov Partners assist you?
Ready to take an action? Dimov Partners supports Austin buyers in managing the financial side of homeownership, from tax planning to cash-flow analysis. Before signing for a mortgage or paying those closing costs, let’s make sure the purchase fits the long-term targets. Reach out to our experts today for 360 degree assistance.