Clay County, Indiana has a 2026 one-unit conforming loan limit of $832,750, which is 5.4 times the county's median home value of $153,000, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $70,010 (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) | $153,000 |
| Indiana median home value | $218,200 |
| Limit ÷ median home value | 5.44× |
| Median household income | $70,010 |
| Median home value ÷ income | 2.2× |
| Population | 26,409 |
| Median property tax paid (owners) | $627 |
| Effective property tax rate (approx.) | 0.41% |
| Owner-occupied homes | 80.9% |
| Home value rank in Indiana | 75 of 92 counties |
| Neighbor: Greene County, IN | limit $832,750; median home $153,200 |
| Neighbor: Owen County, IN | limit $832,750; median home $172,400 |
| Neighbor: Parke County, IN | limit $832,750; median home $151,200 |
| Neighbor: Putnam County, IN | limit $832,750; median home $218,900 |
| Neighbor: Sullivan County, IN | limit $832,750; median home $131,100 |
| Neighbor: Vigo County, IN | limit $832,750; median home $148,500 |
Across Indiana's 92 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Clay County's median home value is 30% below the state median of $218,200 (rank 75 of 92). Among its 6 neighboring counties, Putnam County has the highest median home value ($218,900) and Sullivan County the lowest ($131,100); all share the same loan limit. Owners pay a median $627 a year in property tax, an effective rate of about 0.41% 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, GA
- 2026 conforming loan limit: Clay County, IA
- 2026 conforming loan limit: Clay County, IL
- 2026 conforming loan limit: Clay County, KS
- 2026 conforming loan limit: Clay County, KY
- 2026 conforming loan limit: Clay County, MN
- 2026 conforming loan limit: Clay County, MO
- 2026 conforming loan limit: Clay County, MS
Last updated 2026-10-16. Data only, not financial or tax advice.