Columbia County, Florida has a 2026 one-unit conforming loan limit of $832,750, which is 4.3 times the county's median home value of $194,900, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $59,205 (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) | $194,900 |
| Florida median home value | $359,000 |
| Limit ÷ median home value | 4.27× |
| Median household income | $59,205 |
| Median home value ÷ income | 3.3× |
| Population | 71,789 |
| Median property tax paid (owners) | $1,434 |
| Effective property tax rate (approx.) | 0.74% |
| Owner-occupied homes | 72.5% |
| Home value rank in Florida | 47 of 67 counties |
| Neighbor: Alachua County, FL | limit $832,750; median home $288,800 |
| Neighbor: Baker County, FL | limit $832,750; median home $256,700 |
| Neighbor: Gilchrist County, FL | limit $832,750; median home $199,900 |
| Neighbor: Hamilton County, FL | limit $832,750; median home $111,200 |
| Neighbor: Suwannee County, FL | limit $832,750; median home $171,600 |
| Neighbor: Union County, FL | limit $832,750; median home $169,500 |
| Neighbor: Clinch County, GA | limit $832,750; median home $84,400 |
| Neighbor: Echols County, GA | limit $832,750; median home $124,100 |
Across Florida's 67 counties, FHFA's 2026 one-unit limits range from $832,750 to $990,150, with 1 high-cost county. Columbia County's median home value is 46% below the state median of $359,000 (rank 47 of 67). Among its 8 neighboring counties, Alachua County has the highest median home value ($288,800) and Clinch County the lowest ($84,400); all share the same loan limit. Owners pay a median $1,434 a year in property tax, an effective rate of about 0.74% 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: Colorado County, TX
- 2026 conforming loan limit: Colquitt County, GA
- 2026 conforming loan limit: Columbia County, AR
- 2026 conforming loan limit: Columbia County, GA
- 2026 conforming loan limit: Columbia County, NY
- 2026 conforming loan limit: Columbia County, OR
- 2026 conforming loan limit: Columbia County, PA
- 2026 conforming loan limit: Columbia County, WA
Last updated 2026-10-16. Data only, not financial or tax advice.