Clay County, North Carolina has a 2026 one-unit conforming loan limit of $832,750, which is 3.0 times the county's median home value of $278,400, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $56,971 (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) | $278,400 |
| North Carolina median home value | $288,900 |
| Limit ÷ median home value | 2.99× |
| Median household income | $56,971 |
| Median home value ÷ income | 4.9× |
| Population | 11,610 |
| Median property tax paid (owners) | $1,186 |
| Effective property tax rate (approx.) | 0.43% |
| Owner-occupied homes | 81.2% |
| Home value rank in North Carolina | 28 of 100 counties |
| Neighbor: Rabun County, GA | limit $832,750; median home $295,200 |
| Neighbor: Towns County, GA | limit $832,750; median home $316,100 |
| Neighbor: Union County, GA | limit $832,750; median home $307,400 |
| Neighbor: Cherokee County, NC | limit $832,750; median home $232,300 |
| Neighbor: Macon County, NC | limit $832,750; median home $251,900 |
Across North Carolina's 100 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Clay County's median home value is 4% below the state median of $288,900 (rank 28 of 100). Among its 5 neighboring counties, Towns County has the highest median home value ($316,100) and Cherokee County the lowest ($232,300); all share the same loan limit. Owners pay a median $1,186 a year in property tax, an effective rate of about 0.43% 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, MN
- 2026 conforming loan limit: Clay County, MO
- 2026 conforming loan limit: Clay County, MS
- 2026 conforming loan limit: Clay County, NE
- 2026 conforming loan limit: Clay County, SD
- 2026 conforming loan limit: Clay County, TN
- 2026 conforming loan limit: Clay County, TX
- 2026 conforming loan limit: Clay County, WV
Last updated 2026-10-16. Data only, not financial or tax advice.