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2026 conforming loan limit: Dona Ana County, NM

Quick answer

Dona Ana County, New Mexico has a 2026 one-unit conforming loan limit of $832,750, which is 3.8 times the county's median home value of $220,800, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $56,848 (FHFA; Census ACS 2020–2024).

✓ FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024

Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024

ItemValue
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)$220,800
New Mexico median home value$248,100
Limit ÷ median home value3.77×
Median household income$56,848
Median home value ÷ income3.9×
Population224,266
Median property tax paid (owners)$1,480
Effective property tax rate (approx.)0.67%
Owner-occupied homes65.5%
Home value rank in New Mexico9 of 33 counties
Neighbor: Luna County, NMlimit $832,750; median home $128,000
Neighbor: Otero County, NMlimit $832,750; median home $162,700
Neighbor: Sierra County, NMlimit $832,750; median home $152,600
Neighbor: El Paso County, TXlimit $832,750; median home $180,400

Across New Mexico's 33 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Dona Ana County's median home value is 11% below the state median of $248,100 (rank 9 of 33). Among its 4 neighboring counties, El Paso County has the highest median home value ($180,400) and Luna County the lowest ($128,000); all share the same loan limit. Owners pay a median $1,480 a year in property tax, an effective rate of about 0.67% 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.

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Last updated Oct 16, 2026, 10:42 PM ET. Data only, not financial or tax advice.

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