Clay County, Missouri has a 2026 one-unit conforming loan limit of $832,750, which is 3.0 times the county's median home value of $275,600, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $88,468 (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) | $275,600 |
| Missouri median home value | $230,300 |
| Limit ÷ median home value | 3.02× |
| Median household income | $88,468 |
| Median home value ÷ income | 3.1× |
| Population | 258,122 |
| Median property tax paid (owners) | $2,941 |
| Effective property tax rate (approx.) | 1.07% |
| Owner-occupied homes | 69.5% |
| Home value rank in Missouri | 6 of 115 counties |
| Neighbor: Wyandotte County, KS | limit $832,750; median home $172,300 |
| Neighbor: Clinton County, MO | limit $832,750; median home $226,800 |
| Neighbor: Jackson County, MO | limit $832,750; median home $230,500 |
| Neighbor: Platte County, MO | limit $832,750; median home $345,100 |
| Neighbor: Ray County, MO | limit $832,750; median home $198,800 |
Across Missouri's 115 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Clay County's median home value is 20% above the state median of $230,300 (rank 6 of 115). Among its 5 neighboring counties, Platte County has the highest median home value ($345,100) and Wyandotte County the lowest ($172,300); all share the same loan limit. Owners pay a median $2,941 a year in property tax, an effective rate of about 1.07% 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, KS
- 2026 conforming loan limit: Clay County, KY
- 2026 conforming loan limit: Clay County, MN
- 2026 conforming loan limit: Clay County, MS
- 2026 conforming loan limit: Clay County, NC
- 2026 conforming loan limit: Clay County, NE
- 2026 conforming loan limit: Clay County, SD
- 2026 conforming loan limit: Clay County, TN
Last updated 2026-10-16. Data only, not financial or tax advice.