Bay County, Florida has a 2026 one-unit conforming loan limit of $832,750, which is 2.7 times the county's median home value of $310,500, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $73,533 (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) | $310,500 |
| Florida median home value | $359,000 |
| Limit ÷ median home value | 2.68× |
| Median household income | $73,533 |
| Median home value ÷ income | 4.2× |
| Population | 186,393 |
| Median property tax paid (owners) | $1,807 |
| Effective property tax rate (approx.) | 0.58% |
| Owner-occupied homes | 66.8% |
| Home value rank in Florida | 29 of 67 counties |
| Neighbor: Calhoun County, FL | limit $832,750; median home $145,300 |
| Neighbor: Gulf County, FL | limit $832,750; median home $250,000 |
| Neighbor: Jackson County, FL | limit $832,750; median home $120,800 |
| Neighbor: Walton County, FL | limit $832,750; median home $425,100 |
| Neighbor: Washington County, FL | limit $832,750; median home $171,000 |
Across Florida's 67 counties, FHFA's 2026 one-unit limits range from $832,750 to $990,150, with 1 high-cost county. Bay County's median home value is 14% below the state median of $359,000 (rank 29 of 67). Among its 5 neighboring counties, Walton County has the highest median home value ($425,100) and Jackson County the lowest ($120,800); all share the same loan limit. Owners pay a median $1,807 a year in property tax, an effective rate of about 0.58% 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
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- 2026 conforming loan limit: Bayamon Municipio, PR
- 2026 conforming loan limit: Bayfield County, WI
- 2026 conforming loan limit: Baylor County, TX
- 2026 conforming loan limit: Beadle County, SD
Last updated 2026-10-16. Data only, not financial or tax advice.