Bay County, Michigan has a 2026 one-unit conforming loan limit of $832,750, which is 5.5 times the county's median home value of $152,200, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $61,763 (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) | $152,200 |
| Michigan median home value | $231,600 |
| Limit ÷ median home value | 5.47× |
| Median household income | $61,763 |
| Median home value ÷ income | 2.5× |
| Population | 103,008 |
| Median property tax paid (owners) | $2,271 |
| Effective property tax rate (approx.) | 1.49% |
| Owner-occupied homes | 77.0% |
| Home value rank in Michigan | 68 of 83 counties |
| Neighbor: Arenac County, MI | limit $832,750; median home $150,600 |
| Neighbor: Gladwin County, MI | limit $832,750; median home $162,300 |
| Neighbor: Huron County, MI | limit $832,750; median home $154,300 |
| Neighbor: Midland County, MI | limit $832,750; median home $195,400 |
| Neighbor: Saginaw County, MI | limit $832,750; median home $152,800 |
| Neighbor: Tuscola County, MI | limit $832,750; median home $149,500 |
Across Michigan's 83 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Bay County's median home value is 34% below the state median of $231,600 (rank 68 of 83). Among its 6 neighboring counties, Midland County has the highest median home value ($195,400) and Tuscola County the lowest ($149,500); all share the same loan limit. Owners pay a median $2,271 a year in property tax, an effective rate of about 1.49% 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: Bath County, VA
- 2026 conforming loan limit: Baxter County, AR
- 2026 conforming loan limit: Bay County, FL
- 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
- 2026 conforming loan limit: Bear Lake County, ID
Last updated 2026-10-16. Data only, not financial or tax advice.