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Matagorda County, Texas (FedHome Loan Centers)

The 2019 $0 down, federal home loan limit for Matagorda County is $314,827.

Matagorda County is situated in southern Texas along the Gulf of Mexico. The population of the county was 36,700 based on data collected from the most recent census. The total area of the county is 1,613 square miles and the county seat is Bay City. The smaller town is not to get confused with Baytown, which exists in Harris and Chambers counties.

The county represents its own micropolitan statistical area in south Texas. It is also sometimes included in the Houston-The Woodlands combined statistical area. Matagorda is Spanish for “thick bush” and thus the county is named after the canebrakes which once grew along the coast. Matagorda County has a very rich supply of natural resources. Rice is grown extensively in the region. The county also produces a number of specialized turf grasses. Additionally, offshore oil rigging and natural gas extraction is common in and around the county.

The landscape of Matagorda County is gorgeous. The territory is renowned for its collection of dense forests, wetlands, prairie land, as well as coastal views. The gulf is known for collecting a huge number of migratory birds. Fishing is another popular activity in addition to bird watching. Some sportsmen also hunt the rich landscape. Tourism is also important to the county and scuba diving is a popular activity. Matagorda is not only close to the Gulf, but also Matagorda Bay and the Colorado River.

Bay City is a beautiful city located a little inland from Matagorda Bay. The population of the small city is 17,615. Bay City is thriving thanks to a multi-billion dollar Tenaris seamless pipe mill recently constructed. Tenaris produces tubular products like drill pipe and casing for the oil-drilling industry. Offshore rigs are prevalent along the Gulf of Mexico. Bay City supports its local tradition of being an excellent spot for migratory bird watching and has a 35-acre Nature Center dedicated to the sport. 

Along with the Matagorda County Birding Nature Center, other attractions in the region include the County Museum. Bay City has a rich art culture which is celebrated downtown very often. The Bay City Ar League and Bay City Community Theatre Group (CAST) are two of the most popular local arts groups.

Bay City supports the Matagorda Regional Medical Center. Additionally, the Bay City Independent School District supervises all public education in the city. Bay City ISD currently manages five schools, including Bay City High School. The school is known for producing several professional athletes including Olympic gold medalists Charles Austin and Joe DeLoach, Robert Blackmon (NFL), David Caldwell (NFL), J.B. Cox (MLB), Mark Dennard (NFL), Alex Dixon (MLS), and Quentin Jammer (NFL). Higher education is also attainable in Matagorda County through Wharton County Junior College. The JUCO school has a side campus in Bay City with a focus on technical training for the nuclear plant operations still in existence in Matagorda.

The only other designated city in Matagorda County is Palacios (population 5,155). The county also has the “census-designated” communities of Van Vleck (population 1,850) and Matagorda (population 500). Blessing and Markham are even smaller yet still census-designated. There are also several unincorporated settlements in the county. The county contains Big Boggy National Wildlife Refuge and part of San Bernard National Wildlife Refuge.


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Matagorda County Property Search 

Bay City, Blessing, Collegeport, Elmaton, Markham, Matagorda, Midfield, Palacios, Pledger, Van Vleck, Wadsworth 

77414, 77419, 77428, 77440, 77456, 77457, 77458, 77465, 77468, 77482, 77483 

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Matagorda County Condo Search 

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Matagorda County Loan Limits  

FHA: $314,827 

USDA: $251,862 

VA: $484,350 


FHA Loan Limits

One-Unit: $314,827 

Two-Units: $403,125 

Three-Units: $487,250 

Four-Units: $605,525 


USDA Loan Limit 

Very Low Income: $29,350 

Low Income: $46,950 

Mod. Income Guar Loan: $86,850 

USDA Eligible zip codes in Matagorda County are: 77414, 77419, 77428, 77440, 77456, 77457, 77458, 77465, 77468, 77482, and 77483 

Receive excellent home financing options by calling FedHome Loan Centers at 877-432-5626.