Cherokee County, Texas has a 2026 one-unit conforming loan limit of $832,750, which is 4.9 times the county's median home value of $169,300, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $61,261 (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) | $169,300 |
| Texas median home value | $283,800 |
| Limit ÷ median home value | 4.92× |
| Median household income | $61,261 |
| Median home value ÷ income | 2.8× |
| Population | 51,886 |
| Median property tax paid (owners) | $1,963 |
| Effective property tax rate (approx.) | 1.16% |
| Owner-occupied homes | 74.0% |
| Home value rank in Texas | 125 of 250 counties |
| Neighbor: Anderson County, TX | limit $832,750; median home $185,300 |
| Neighbor: Angelina County, TX | limit $832,750; median home $163,500 |
| Neighbor: Henderson County, TX | limit $832,750; median home $211,300 |
| Neighbor: Houston County, TX | limit $832,750; median home $164,900 |
| Neighbor: Nacogdoches County, TX | limit $832,750; median home $169,200 |
| Neighbor: Rusk County, TX | limit $832,750; median home $171,300 |
| Neighbor: Smith County, TX | limit $832,750; median home $240,700 |
Across Texas's 254 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Cherokee County's median home value is 40% below the state median of $283,800 (rank 125 of 250). Among its 7 neighboring counties, Smith County has the highest median home value ($240,700) and Angelina County the lowest ($163,500); all share the same loan limit. Owners pay a median $1,963 a year in property tax, an effective rate of about 1.16% 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: Cherokee County, NC
- 2026 conforming loan limit: Cherokee County, OK
- 2026 conforming loan limit: Cherokee County, SC
- 2026 conforming loan limit: Cherry County, NE
- 2026 conforming loan limit: Chesapeake City, VA
- 2026 conforming loan limit: Cheshire County, NH
- 2026 conforming loan limit: Chester County, PA
- 2026 conforming loan limit: Chester County, SC
Last updated 2026-10-16. Data only, not financial or tax advice.