Clay County, Kansas has a 2026 one-unit conforming loan limit of $832,750, which is 5.3 times the county's median home value of $155,900, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $66,176 (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) | $155,900 |
| Kansas median home value | $217,200 |
| Limit ÷ median home value | 5.34× |
| Median household income | $66,176 |
| Median home value ÷ income | 2.4× |
| Population | 8,048 |
| Median property tax paid (owners) | $2,055 |
| Effective property tax rate (approx.) | 1.32% |
| Owner-occupied homes | 78.0% |
| Home value rank in Kansas | 33 of 105 counties |
| Neighbor: Cloud County, KS | limit $832,750; median home $100,000 |
| Neighbor: Dickinson County, KS | limit $832,750; median home $146,800 |
| Neighbor: Geary County, KS | limit $832,750; median home $172,700 |
| Neighbor: Ottawa County, KS | limit $832,750; median home $166,000 |
| Neighbor: Riley County, KS | limit $832,750; median home $237,100 |
| Neighbor: Washington County, KS | limit $832,750; median home $117,100 |
Across Kansas's 105 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Clay County's median home value is 28% below the state median of $217,200 (rank 33 of 105). Among its 6 neighboring counties, Riley County has the highest median home value ($237,100) and Cloud County the lowest ($100,000); all share the same loan limit. Owners pay a median $2,055 a year in property tax, an effective rate of about 1.32% 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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Last updated Oct 16, 2026, 10:42 PM ET. Data only, not financial or tax advice.
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