Cumberland County, Maine has a 2026 one-unit conforming loan limit of $832,750, which is 1.8 times the county's median home value of $451,200, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $95,677 (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) | $451,200 |
| Maine median home value | $296,600 |
| Limit ÷ median home value | 1.85× |
| Median household income | $95,677 |
| Median home value ÷ income | 4.7× |
| Population | 308,827 |
| Median property tax paid (owners) | $4,707 |
| Effective property tax rate (approx.) | 1.04% |
| Owner-occupied homes | 69.8% |
| Home value rank in Maine | 1 of 16 counties |
| Neighbor: Androscoggin County, ME | limit $832,750; median home $252,800 |
| Neighbor: Oxford County, ME | limit $832,750; median home $217,300 |
| Neighbor: Sagadahoc County, ME | limit $832,750; median home $333,300 |
| Neighbor: York County, ME | limit $832,750; median home $395,700 |
Across Maine's 16 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Cumberland County's median home value is 52% above the state median of $296,600 (rank 1 of 16). Among its 4 neighboring counties, York County has the highest median home value ($395,700) and Oxford County the lowest ($217,300); all share the same loan limit. Owners pay a median $4,707 a year in property tax, an effective rate of about 1.04% 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: Culpeper County, VA
- 2026 conforming loan limit: Cumberland County, IL
- 2026 conforming loan limit: Cumberland County, KY
- 2026 conforming loan limit: Cumberland County, NC
- 2026 conforming loan limit: Cumberland County, NJ
- 2026 conforming loan limit: Cumberland County, PA
- 2026 conforming loan limit: Cumberland County, TN
- 2026 conforming loan limit: Cumberland County, VA
Last updated 2026-10-16. Data only, not financial or tax advice.