Charlevoix County, Michigan has a 2026 one-unit conforming loan limit of $832,750, which is 3.0 times the county's median home value of $276,800, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $76,531 (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) | $276,800 |
| Michigan median home value | $231,600 |
| Limit ÷ median home value | 3.01× |
| Median household income | $76,531 |
| Median home value ÷ income | 3.6× |
| Population | 26,108 |
| Median property tax paid (owners) | $2,493 |
| Effective property tax rate (approx.) | 0.90% |
| Owner-occupied homes | 83.5% |
| Home value rank in Michigan | 10 of 83 counties |
| Neighbor: Antrim County, MI | limit $832,750; median home $255,500 |
| Neighbor: Cheboygan County, MI | limit $832,750; median home $192,500 |
| Neighbor: Emmet County, MI | limit $832,750; median home $315,700 |
| Neighbor: Leelanau County, MI | limit $832,750; median home $458,400 |
| Neighbor: Mackinac County, MI | limit $832,750; median home $174,500 |
| Neighbor: Otsego County, MI | limit $832,750; median home $219,700 |
| Neighbor: Schoolcraft County, MI | limit $832,750; median home $141,800 |
Across Michigan's 83 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Charlevoix County's median home value is 20% above the state median of $231,600 (rank 10 of 83). Among its 7 neighboring counties, Leelanau County has the highest median home value ($458,400) and Schoolcraft County the lowest ($141,800); all share the same loan limit. Owners pay a median $2,493 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: Charles County, MD
- 2026 conforming loan limit: Charles Mix County, SD
- 2026 conforming loan limit: Charleston County, SC
- 2026 conforming loan limit: Charlotte County, FL
- 2026 conforming loan limit: Charlotte County, VA
- 2026 conforming loan limit: Charlottesville City, VA
- 2026 conforming loan limit: Charlton County, GA
- 2026 conforming loan limit: Chase County, KS
Last updated 2026-10-16. Data only, not financial or tax advice.