Buncombe County, North Carolina has a 2026 one-unit conforming loan limit of $832,750, which is 2.1 times the county's median home value of $391,800, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $74,436 (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) | $391,800 |
| North Carolina median home value | $288,900 |
| Limit ÷ median home value | 2.13× |
| Median household income | $74,436 |
| Median home value ÷ income | 5.3× |
| Population | 274,360 |
| Median property tax paid (owners) | $2,222 |
| Effective property tax rate (approx.) | 0.57% |
| Owner-occupied homes | 66.2% |
| Home value rank in North Carolina | 7 of 100 counties |
| Neighbor: Haywood County, NC | limit $832,750; median home $279,200 |
| Neighbor: Henderson County, NC | limit $832,750; median home $351,400 |
| Neighbor: Mcdowell County, NC | limit $832,750; median home $171,100 |
| Neighbor: Madison County, NC | limit $832,750; median home $284,600 |
| Neighbor: Rutherford County, NC | limit $832,750; median home $201,800 |
| Neighbor: Transylvania County, NC | limit $832,750; median home $373,600 |
| Neighbor: Yancey County, NC | limit $832,750; median home $243,100 |
Across North Carolina's 100 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Buncombe County's median home value is 36% above the state median of $288,900 (rank 7 of 100). Among its 7 neighboring counties, Transylvania County has the highest median home value ($373,600) and Mcdowell County the lowest ($171,100); all share the same loan limit. Owners pay a median $2,222 a year in property tax, an effective rate of about 0.57% 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: Bullitt County, KY
- 2026 conforming loan limit: Bulloch County, GA
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- 2026 conforming loan limit: Bureau County, IL
- 2026 conforming loan limit: Burke County, GA
- 2026 conforming loan limit: Burke County, NC
- 2026 conforming loan limit: Burke County, ND
- 2026 conforming loan limit: Burleigh County, ND
Last updated 2026-10-16. Data only, not financial or tax advice.