Cooper County, Missouri has a 2026 one-unit conforming loan limit of $832,750, which is 4.1 times the county's median home value of $203,500, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $70,625 (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) | $203,500 |
| Missouri median home value | $230,300 |
| Limit ÷ median home value | 4.09× |
| Median household income | $70,625 |
| Median home value ÷ income | 2.9× |
| Population | 16,824 |
| Median property tax paid (owners) | $1,334 |
| Effective property tax rate (approx.) | 0.66% |
| Owner-occupied homes | 75.7% |
| Home value rank in Missouri | 29 of 115 counties |
| Neighbor: Boone County, MO | limit $832,750; median home $272,800 |
| Neighbor: Howard County, MO | limit $832,750; median home $159,400 |
| Neighbor: Moniteau County, MO | limit $832,750; median home $181,900 |
| Neighbor: Morgan County, MO | limit $832,750; median home $194,400 |
| Neighbor: Pettis County, MO | limit $832,750; median home $166,300 |
| Neighbor: Saline County, MO | limit $832,750; median home $150,500 |
Across Missouri's 115 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Cooper County's median home value is 12% below the state median of $230,300 (rank 29 of 115). Among its 6 neighboring counties, Boone County has the highest median home value ($272,800) and Saline County the lowest ($150,500); all share the same loan limit. Owners pay a median $1,334 a year in property tax, an effective rate of about 0.66% 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: Cook County, IL
- 2026 conforming loan limit: Cook County, MN
- 2026 conforming loan limit: Cooke County, TX
- 2026 conforming loan limit: Coos County, NH
- 2026 conforming loan limit: Coos County, OR
- 2026 conforming loan limit: Coosa County, AL
- 2026 conforming loan limit: Copiah County, MS
- 2026 conforming loan limit: Copper River Census Area, AK
Last updated 2026-10-16. Data only, not financial or tax advice.