Cerro Gordo County, Iowa has a 2026 one-unit conforming loan limit of $832,750, which is 5.0 times the county's median home value of $166,400, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $68,189 (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) | $166,400 |
| Iowa median home value | $208,000 |
| Limit ÷ median home value | 5.00× |
| Median household income | $68,189 |
| Median home value ÷ income | 2.4× |
| Population | 42,632 |
| Median property tax paid (owners) | $2,410 |
| Effective property tax rate (approx.) | 1.45% |
| Owner-occupied homes | 70.4% |
| Home value rank in Iowa | 43 of 99 counties |
| Neighbor: Butler County, IA | limit $832,750; median home $165,400 |
| Neighbor: Floyd County, IA | limit $832,750; median home $143,500 |
| Neighbor: Franklin County, IA | limit $832,750; median home $124,100 |
| Neighbor: Hancock County, IA | limit $832,750; median home $141,400 |
| Neighbor: Mitchell County, IA | limit $832,750; median home $175,100 |
| Neighbor: Winnebago County, IA | limit $832,750; median home $135,000 |
| Neighbor: Worth County, IA | limit $832,750; median home $145,800 |
| Neighbor: Wright County, IA | limit $832,750; median home $119,600 |
Across Iowa's 99 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Cerro Gordo County's median home value is 20% below the state median of $208,000 (rank 43 of 99). Among its 8 neighboring counties, Mitchell County has the highest median home value ($175,100) and Wright County the lowest ($119,600); all share the same loan limit. Owners pay a median $2,410 a year in property tax, an effective rate of about 1.45% 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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- 2026 conforming loan limit: Champaign County, IL
- 2026 conforming loan limit: Champaign County, OH
Last updated 2026-10-16. Data only, not financial or tax advice.