Clayton County, Iowa has a 2026 one-unit conforming loan limit of $832,750, which is 4.9 times the county's median home value of $168,500, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $67,242 (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) | $168,500 |
| Iowa median home value | $208,000 |
| Limit ÷ median home value | 4.94× |
| Median household income | $67,242 |
| Median home value ÷ income | 2.5× |
| Population | 17,013 |
| Median property tax paid (owners) | $2,181 |
| Effective property tax rate (approx.) | 1.29% |
| Owner-occupied homes | 78.0% |
| Home value rank in Iowa | 42 of 99 counties |
| Neighbor: Allamakee County, IA | limit $832,750; median home $172,300 |
| Neighbor: Buchanan County, IA | limit $832,750; median home $176,000 |
| Neighbor: Delaware County, IA | limit $832,750; median home $177,900 |
| Neighbor: Dubuque County, IA | limit $832,750; median home $237,300 |
| Neighbor: Fayette County, IA | limit $832,750; median home $136,800 |
| Neighbor: Winneshiek County, IA | limit $832,750; median home $259,200 |
| Neighbor: Crawford County, WI | limit $832,750; median home $183,400 |
| Neighbor: Grant County, WI | limit $832,750; median home $200,700 |
Across Iowa's 99 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Clayton County's median home value is 19% below the state median of $208,000 (rank 42 of 99). Among its 8 neighboring counties, Winneshiek County has the highest median home value ($259,200) and Fayette County the lowest ($136,800); all share the same loan limit. Owners pay a median $2,181 a year in property tax, an effective rate of about 1.29% 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, TX
- 2026 conforming loan limit: Clay County, WV
- 2026 conforming loan limit: Clayton County, GA
- 2026 conforming loan limit: Clear Creek County, CO
- 2026 conforming loan limit: Clearfield County, PA
- 2026 conforming loan limit: Clearwater County, ID
- 2026 conforming loan limit: Clearwater County, MN
- 2026 conforming loan limit: Cleburne County, AL
Last updated 2026-10-16. Data only, not financial or tax advice.