Clay County, Texas has a 2026 one-unit conforming loan limit of $832,750, which is 4.9 times the county's median home value of $171,500, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $80,114 (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) | $171,500 |
| Texas median home value | $283,800 |
| Limit ÷ median home value | 4.86× |
| Median household income | $80,114 |
| Median home value ÷ income | 2.1× |
| Population | 10,495 |
| Median property tax paid (owners) | $2,182 |
| Effective property tax rate (approx.) | 1.27% |
| Owner-occupied homes | 84.0% |
| Home value rank in Texas | 119 of 250 counties |
| Neighbor: Cotton County, OK | limit $832,750; median home $113,900 |
| Neighbor: Jefferson County, OK | limit $832,750; median home $82,500 |
| Neighbor: Archer County, TX | limit $832,750; median home $189,100 |
| Neighbor: Jack County, TX | limit $832,750; median home $251,200 |
| Neighbor: Montague County, TX | limit $832,750; median home $206,400 |
| Neighbor: Wichita County, TX | limit $832,750; median home $153,700 |
Across Texas's 254 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Clay County's median home value is 40% below the state median of $283,800 (rank 119 of 250). Among its 6 neighboring counties, Jack County has the highest median home value ($251,200) and Jefferson County the lowest ($82,500); all share the same loan limit. Owners pay a median $2,182 a year in property tax, an effective rate of about 1.27% 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, NE
- 2026 conforming loan limit: Clay County, SD
- 2026 conforming loan limit: Clay County, TN
- 2026 conforming loan limit: Clay County, WV
- 2026 conforming loan limit: Clayton County, GA
- 2026 conforming loan limit: Clayton County, IA
- 2026 conforming loan limit: Clear Creek County, CO
- 2026 conforming loan limit: Clearfield County, PA
Last updated 2026-10-16. Data only, not financial or tax advice.