Clay County, Nebraska has a 2026 one-unit conforming loan limit of $832,750, which is 5.4 times the county's median home value of $155,600, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $78,986 (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) | $155,600 |
| Nebraska median home value | $238,600 |
| Limit ÷ median home value | 5.35× |
| Median household income | $78,986 |
| Median home value ÷ income | 2.0× |
| Population | 6,095 |
| Median property tax paid (owners) | $1,870 |
| Effective property tax rate (approx.) | 1.20% |
| Owner-occupied homes | 81.9% |
| Home value rank in Nebraska | 49 of 93 counties |
| Neighbor: Adams County, NE | limit $832,750; median home $193,100 |
| Neighbor: Fillmore County, NE | limit $832,750; median home $151,000 |
| Neighbor: Hamilton County, NE | limit $832,750; median home $253,700 |
| Neighbor: Nuckolls County, NE | limit $832,750; median home $96,500 |
| Neighbor: Webster County, NE | limit $832,750; median home $117,600 |
| Neighbor: York County, NE | limit $832,750; median home $189,400 |
Across Nebraska's 93 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Clay County's median home value is 35% below the state median of $238,600 (rank 49 of 93). Among its 6 neighboring counties, Hamilton County has the highest median home value ($253,700) and Nuckolls County the lowest ($96,500); all share the same loan limit. Owners pay a median $1,870 a year in property tax, an effective rate of about 1.20% 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, MO
- 2026 conforming loan limit: Clay County, MS
- 2026 conforming loan limit: Clay County, NC
- 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
- 2026 conforming loan limit: Clayton County, GA
Last updated 2026-10-16. Data only, not financial or tax advice.