Clay County, Iowa has a 2026 one-unit conforming loan limit of $832,750, which is 4.7 times the county's median home value of $178,600, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $65,428 (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) | $178,600 |
| Iowa median home value | $208,000 |
| Limit ÷ median home value | 4.66× |
| Median household income | $65,428 |
| Median home value ÷ income | 2.7× |
| Population | 16,461 |
| Median property tax paid (owners) | $2,050 |
| Effective property tax rate (approx.) | 1.15% |
| Owner-occupied homes | 73.3% |
| Home value rank in Iowa | 33 of 99 counties |
| Neighbor: Buena Vista County, IA | limit $832,750; median home $159,500 |
| Neighbor: Cherokee County, IA | limit $832,750; median home $158,700 |
| Neighbor: Dickinson County, IA | limit $832,750; median home $270,700 |
| Neighbor: Emmet County, IA | limit $832,750; median home $114,100 |
| Neighbor: O'Brien County, IA | limit $832,750; median home $173,100 |
| Neighbor: Osceola County, IA | limit $832,750; median home $122,600 |
| Neighbor: Palo Alto County, IA | limit $832,750; median home $123,200 |
| Neighbor: Pocahontas County, IA | limit $832,750; median home $98,100 |
Across Iowa's 99 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Clay County's median home value is 14% below the state median of $208,000 (rank 33 of 99). Among its 8 neighboring counties, Dickinson County has the highest median home value ($270,700) and Pocahontas County the lowest ($98,100); all share the same loan limit. Owners pay a median $2,050 a year in property tax, an effective rate of about 1.15% 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: Clay County, AR
- 2026 conforming loan limit: Clay County, FL
- 2026 conforming loan limit: Clay County, GA
- 2026 conforming loan limit: Clay County, IL
- 2026 conforming loan limit: Clay County, IN
- 2026 conforming loan limit: Clay County, KS
- 2026 conforming loan limit: Clay County, KY
- 2026 conforming loan limit: Clay County, MN
Last updated 2026-10-16. Data only, not financial or tax advice.