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McMullen County, Texas (FedHome Loan Centers)

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

McMullen County is a territory in southern Texas. It is one of the smallest counties in terms of number of people. The population of McMullen County is only 700, making it the fifth least populous county in the state. Meanwhile, the total area of the county is 1,157 square miles. The county seat is Tilden.

Despite its limited population McMullen County is surprisingly well off. In fact, it is hands down the most wealthiest county in Texas. The average gross income (AGI) of residents of the county is over $3000,000. It is more than $120,000 ahead of the second highest earning county in Texas. The wealth of McMullen is largely attributed to its oil and gas production.

McMullen County was created in 1858. However, it was not completely organized until nearly twenty years later. McMullen was established out of portions of Live Oak County, Atascosa County, and Bexar County. The territory is named after John McMullen, founder of a colony in the state of Texas.

McMullen County exists directly south of San Antonio. San Antonio is 80 miles north of the county via Texas State Highway 16. The county is also nearly due west of Corpus Christi, and northeast of Laredo. Other primary highways in the region include State Highway 72 (east and west through Tilden) and State Highway 97 (in the very northwest corner of the county). Several other Farm to Market Roads map out McMullen.

Tilden is the only census-designated place in McMullen County. It is also the biggest community in terms of number of people with 450 people. Tilden exists at the intersection of State Highway 72 and State Highway 16. It is in the north-central portion of the county, and directly west of Choke Canyon Reservoir.

Choke Canyon Reservoir is the de facto place for locals to unwind on the weekends. The reservoir is supported by the U.S. Bureau of Reclamation. Choke Canyon Reservoir is designed to provide drinking water to the folks of Corpus Christi to the east. However, it is also a popular place for anglers where largemouth bass and catfish are the two most desirable catches. Alligators have also been spotted at Choke Canyon Reservoir, the westernmost sighting of the American Gator in the country.  

Tilden originates from Camp Rio Frio, a post that was established during the Civil War to protect white settlers from Apaches. Tilden was first known as Dog Town before Franklin Ranch came to the area in 1868. Franklin Ranch is now known as Lone Star Camp though it remains in the ownership of the same family descendants.  

The tiny community is known for housing Boot Hill Cemetery, one of only two authentic cemeteries of its kind in the southwest. The iconic cemetery is known for being the burial grounds for many people in the 19th century that died from tragic accidents.

McMullen County Independent School District supports public education in the very rural territory. The county is known for being the home of Lon Oden (Texas Ranger) and Bob Wheeler (member of the Texas State Legislature). WWE wrestler Stone Cold Steve Austin once owned Broken Skull Ranch in Tilden. 


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Calliham, Tilden 

78007, 78072 

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McMullen 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: $31,800 

Low Income: $50,900 

Mod. Income Guar Loan: $86,850 

USDA Eligible zip codes in McMullen County are: 78007, and 78072 

Contact FedHome Loan Centers at 877-432-5626 for more information.