Adams County, Pennsylvania has a 2026 one-unit conforming loan limit of $832,750, which is 3.1 times the county's median home value of $268,500, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $84,092 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $832,750 |
| 2-unit limit | $1,066,250 |
| 3-unit limit | $1,288,800 |
| 4-unit limit | $1,601,750 |
| Median home value (ACS 2020–24) | $268,500 |
| Pennsylvania median home value | $254,500 |
| Limit ÷ median home value | 3.10× |
| Median household income | $84,092 |
| Median home value ÷ income | 3.2× |
| Population | 106,115 |
| Median property tax paid (owners) | $3,561 |
| Effective property tax rate (approx.) | 1.33% |
| Owner-occupied homes | 78.9% |
| Home value rank in Pennsylvania | 12 of 67 counties |
| Neighbor: Carroll County, MD | limit $832,750; median home $434,000 |
| Neighbor: Frederick County, MD | limit $1,249,125; median home $464,600 |
| Neighbor: Cumberland County, PA | limit $832,750; median home $277,600 |
| Neighbor: Franklin County, PA | limit $832,750; median home $249,800 |
| Neighbor: York County, PA | limit $832,750; median home $248,600 |
Across Pennsylvania's 67 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,209,750, with 1 high-cost county. Adams County's median home value is 6% above the state median of $254,500 (rank 12 of 67). Among its 5 neighboring counties, Frederick County has the highest median home value ($464,600) and York County the lowest ($248,600); 1 neighbor(s) have a different loan limit. Owners pay a median $3,561 a year in property tax, an effective rate of about 1.33% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
Related
- 2026 conforming loan limit: Adams County, ND
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- 2026 conforming loan limit: Adams County, WA
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Last updated 2026-10-16. Data only, not financial or tax advice.