Chatham County, North Carolina has a 2026 one-unit conforming loan limit of $832,750, which is 1.9 times the county's median home value of $446,200, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $94,317 (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) | $446,200 |
| North Carolina median home value | $288,900 |
| Limit ÷ median home value | 1.87× |
| Median household income | $94,317 |
| Median home value ÷ income | 4.7× |
| Population | 80,151 |
| Median property tax paid (owners) | $2,847 |
| Effective property tax rate (approx.) | 0.64% |
| Owner-occupied homes | 80.6% |
| Home value rank in North Carolina | 4 of 100 counties |
| Neighbor: Alamance County, NC | limit $832,750; median home $241,500 |
| Neighbor: Durham County, NC | limit $832,750; median home $389,400 |
| Neighbor: Harnett County, NC | limit $832,750; median home $246,200 |
| Neighbor: Lee County, NC | limit $832,750; median home $240,200 |
| Neighbor: Moore County, NC | limit $832,750; median home $351,400 |
| Neighbor: Orange County, NC | limit $832,750; median home $459,500 |
| Neighbor: Randolph County, NC | limit $832,750; median home $197,100 |
| Neighbor: Wake County, NC | limit $832,750; median home $461,300 |
Across North Carolina's 100 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Chatham County's median home value is 54% above the state median of $288,900 (rank 4 of 100). Among its 8 neighboring counties, Wake County has the highest median home value ($461,300) and Randolph County the lowest ($197,100); all share the same loan limit. Owners pay a median $2,847 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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- 2026 conforming loan limit: Chattooga County, GA
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- 2026 conforming loan limit: Chautauqua County, NY
- 2026 conforming loan limit: Chaves County, NM
Last updated 2026-10-16. Data only, not financial or tax advice.