Cape Girardeau County, Missouri has a 2026 one-unit conforming loan limit of $832,750, which is 3.8 times the county's median home value of $220,700, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $68,464 (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) | $220,700 |
| Missouri median home value | $230,300 |
| Limit ÷ median home value | 3.77× |
| Median household income | $68,464 |
| Median home value ÷ income | 3.2× |
| Population | 82,735 |
| Median property tax paid (owners) | $1,421 |
| Effective property tax rate (approx.) | 0.64% |
| Owner-occupied homes | 66.8% |
| Home value rank in Missouri | 22 of 115 counties |
| Neighbor: Alexander County, IL | limit $832,750; median home $59,800 |
| Neighbor: Union County, IL | limit $832,750; median home $131,700 |
| Neighbor: Bollinger County, MO | limit $832,750; median home $179,800 |
| Neighbor: Perry County, MO | limit $832,750; median home $188,200 |
| Neighbor: Scott County, MO | limit $832,750; median home $154,400 |
| Neighbor: Stoddard County, MO | limit $832,750; median home $143,300 |
Across Missouri's 115 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Cape Girardeau County's median home value is 4% below the state median of $230,300 (rank 22 of 115). Among its 6 neighboring counties, Perry County has the highest median home value ($188,200) and Alexander County the lowest ($59,800); all share the same loan limit. Owners pay a median $1,421 a year in property tax, an effective rate of about 0.64% 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.