Cache County, Utah has a 2026 one-unit conforming loan limit of $832,750, which is 1.9 times the county's median home value of $444,400, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $81,665 (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) | $444,400 |
| Utah median home value | $489,400 |
| Limit ÷ median home value | 1.87× |
| Median household income | $81,665 |
| Median home value ÷ income | 5.4× |
| Population | 140,046 |
| Median property tax paid (owners) | $2,011 |
| Effective property tax rate (approx.) | 0.45% |
| Owner-occupied homes | 63.7% |
| Home value rank in Utah | 9 of 29 counties |
| Neighbor: Bear Lake County, ID | limit $832,750; median home $275,000 |
| Neighbor: Franklin County, ID | limit $832,750; median home $372,600 |
| Neighbor: Oneida County, ID | limit $832,750; median home $272,000 |
| Neighbor: Box Elder County, UT | limit $832,750; median home $403,600 |
| Neighbor: Rich County, UT | limit $832,750; median home $334,600 |
| Neighbor: Weber County, UT | limit $832,750; median home $426,700 |
Across Utah's 29 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,150,000, with 4 high-cost counties. Cache County's median home value is 9% below the state median of $489,400 (rank 9 of 29). Among its 6 neighboring counties, Weber County has the highest median home value ($426,700) and Oneida County the lowest ($272,000); all share the same loan limit. Owners pay a median $2,011 a year in property tax, an effective rate of about 0.45% 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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Last updated 2026-10-16. Data only, not financial or tax advice.