Cloud County, Kansas has a 2026 one-unit conforming loan limit of $832,750, which is 8.3 times the county's median home value of $100,000, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $58,770 (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) | $100,000 |
| Kansas median home value | $217,200 |
| Limit ÷ median home value | 8.33× |
| Median household income | $58,770 |
| Median home value ÷ income | 1.7× |
| Population | 8,898 |
| Median property tax paid (owners) | $1,704 |
| Effective property tax rate (approx.) | 1.70% |
| Owner-occupied homes | 74.0% |
| Home value rank in Kansas | 78 of 105 counties |
| Neighbor: Clay County, KS | limit $832,750; median home $155,900 |
| Neighbor: Jewell County, KS | limit $832,750; median home $64,600 |
| Neighbor: Mitchell County, KS | limit $832,750; median home $133,800 |
| Neighbor: Ottawa County, KS | limit $832,750; median home $166,000 |
| Neighbor: Republic County, KS | limit $832,750; median home $75,600 |
| Neighbor: Washington County, KS | limit $832,750; median home $117,100 |
Across Kansas's 105 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Cloud County's median home value is 54% below the state median of $217,200 (rank 78 of 105). Among its 6 neighboring counties, Ottawa County has the highest median home value ($166,000) and Jewell County the lowest ($64,600); all share the same loan limit. Owners pay a median $1,704 a year in property tax, an effective rate of about 1.70% 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.
Frequently asked questions
What is the conforming loan limit in Cloud County, Kansas?
Cloud County, Kansas has a 2026 one-unit conforming loan limit of $832,750, which is 8.3 times the county's median home value of $100,000, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $58,770 (FHFA; Census ACS 2020–2024).
What is the median home value in Cloud County, Kansas?
The median owner-occupied home value in Cloud County is $100,000 (ACS 2020–2024), versus $217,200 statewide.
Do I need a jumbo loan in Cloud County?
Only if your loan amount exceeds $832,750 for a one-unit home; the county median home value is $100,000, so the cap is 8.33 times the typical home value.
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Last updated Oct 18, 2026, 10:02 PM ET. Data only, not financial or tax advice.
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