Charlotte County, Florida has a 2026 one-unit conforming loan limit of $832,750, which is 2.5 times the county's median home value of $328,900, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $69,952 (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) | $328,900 |
| Florida median home value | $359,000 |
| Limit ÷ median home value | 2.53× |
| Median household income | $69,952 |
| Median home value ÷ income | 4.7× |
| Population | 201,064 |
| Median property tax paid (owners) | $2,785 |
| Effective property tax rate (approx.) | 0.85% |
| Owner-occupied homes | 83.8% |
| Home value rank in Florida | 25 of 67 counties |
| Neighbor: Desoto County, FL | limit $832,750; median home $174,100 |
| Neighbor: Glades County, FL | limit $832,750; median home $137,000 |
| Neighbor: Hendry County, FL | limit $832,750; median home $219,200 |
| Neighbor: Highlands County, FL | limit $832,750; median home $187,900 |
| Neighbor: Lee County, FL | limit $832,750; median home $362,200 |
| Neighbor: Sarasota County, FL | limit $832,750; median home $411,800 |
Across Florida's 67 counties, FHFA's 2026 one-unit limits range from $832,750 to $990,150, with 1 high-cost county. Charlotte County's median home value is 8% below the state median of $359,000 (rank 25 of 67). Among its 6 neighboring counties, Sarasota County has the highest median home value ($411,800) and Glades County the lowest ($137,000); all share the same loan limit. Owners pay a median $2,785 a year in property tax, an effective rate of about 0.85% 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 Mix County, SD
- 2026 conforming loan limit: Charleston County, SC
- 2026 conforming loan limit: Charlevoix County, MI
- 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
- 2026 conforming loan limit: Chase County, NE
Last updated 2026-10-16. Data only, not financial or tax advice.