Chaves County, New Mexico has a 2026 one-unit conforming loan limit of $832,750, which is 5.3 times the county's median home value of $156,400, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $52,938 (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) | $156,400 |
| New Mexico median home value | $248,100 |
| Limit ÷ median home value | 5.32× |
| Median household income | $52,938 |
| Median home value ÷ income | 3.0× |
| Population | 64,217 |
| Median property tax paid (owners) | $935 |
| Effective property tax rate (approx.) | 0.60% |
| Owner-occupied homes | 71.3% |
| Home value rank in New Mexico | 21 of 33 counties |
| Neighbor: De Baca County, NM | limit $832,750; median home $187,500 |
| Neighbor: Eddy County, NM | limit $832,750; median home $212,600 |
| Neighbor: Lea County, NM | limit $832,750; median home $184,000 |
| Neighbor: Lincoln County, NM | limit $832,750; median home $233,200 |
| Neighbor: Otero County, NM | limit $832,750; median home $162,700 |
| Neighbor: Roosevelt County, NM | limit $832,750; median home $135,800 |
Across New Mexico's 33 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Chaves County's median home value is 37% below the state median of $248,100 (rank 21 of 33). Among its 6 neighboring counties, Lincoln County has the highest median home value ($233,200) and Roosevelt County the lowest ($135,800); all share the same loan limit. Owners pay a median $935 a year in property tax, an effective rate of about 0.60% 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: Chattooga County, GA
- 2026 conforming loan limit: Chautauqua County, KS
- 2026 conforming loan limit: Chautauqua County, NY
- 2026 conforming loan limit: Cheatham County, TN
- 2026 conforming loan limit: Cheboygan County, MI
- 2026 conforming loan limit: Chelan County, WA
- 2026 conforming loan limit: Chemung County, NY
- 2026 conforming loan limit: Chenango County, NY
Last updated 2026-10-16. Data only, not financial or tax advice.