Barnstable County, Massachusetts has a 2026 one-unit conforming loan limit of $832,750, which is 1.3 times the county's median home value of $629,000, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $95,241 (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) | $629,000 |
| Massachusetts median home value | $562,100 |
| Limit ÷ median home value | 1.32× |
| Median household income | $95,241 |
| Median home value ÷ income | 6.6× |
| Population | 231,668 |
| Median property tax paid (owners) | $4,239 |
| Effective property tax rate (approx.) | 0.67% |
| Owner-occupied homes | 81.1% |
| Home value rank in Massachusetts | 6 of 14 counties |
| Neighbor: Bristol County, MA | limit $832,750; median home $451,200 |
| Neighbor: Dukes County, MA | limit $1,249,125; median home $1,165,800 |
| Neighbor: Plymouth County, MA | limit $962,550; median home $556,000 |
Across Massachusetts's 14 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 7 high-cost counties. Barnstable County's median home value is 12% above the state median of $562,100 (rank 6 of 14). Among its 3 neighboring counties, Dukes County has the highest median home value ($1,165,800) and Bristol County the lowest ($451,200); 2 neighbor(s) have a different loan limit. Owners pay a median $4,239 a year in property tax, an effective rate of about 0.67% 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.
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Last updated 2026-10-16. Data only, not financial or tax advice.