Bernalillo County, New Mexico has a 2026 one-unit conforming loan limit of $832,750, which is 2.8 times the county's median home value of $292,900, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $69,473 (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) | $292,900 |
| New Mexico median home value | $248,100 |
| Limit ÷ median home value | 2.84× |
| Median household income | $69,473 |
| Median home value ÷ income | 4.2× |
| Population | 673,930 |
| Median property tax paid (owners) | $2,629 |
| Effective property tax rate (approx.) | 0.90% |
| Owner-occupied homes | 64.5% |
| Home value rank in New Mexico | 5 of 33 counties |
| Neighbor: Cibola County, NM | limit $832,750; median home $125,400 |
| Neighbor: Sandoval County, NM | limit $832,750; median home $313,800 |
| Neighbor: Santa Fe County, NM | limit $832,750; median home $446,300 |
| Neighbor: Torrance County, NM | limit $832,750; median home $159,700 |
| Neighbor: Valencia County, NM | limit $832,750; median home $223,000 |
Across New Mexico's 33 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Bernalillo County's median home value is 18% above the state median of $248,100 (rank 5 of 33). Among its 5 neighboring counties, Santa Fe County has the highest median home value ($446,300) and Cibola County the lowest ($125,400); all share the same loan limit. Owners pay a median $2,629 a year in property tax, an effective rate of about 0.90% 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: Berkeley County, WV
- 2026 conforming loan limit: Berks County, PA
- 2026 conforming loan limit: Berkshire County, MA
- 2026 conforming loan limit: Berrien County, GA
- 2026 conforming loan limit: Berrien County, MI
- 2026 conforming loan limit: Bertie County, NC
- 2026 conforming loan limit: Bethel Census Area, AK
- 2026 conforming loan limit: Bexar County, TX
Last updated 2026-10-16. Data only, not financial or tax advice.