Dutchess County, New York has a 2026 one-unit conforming loan limit of $832,750, which is 2.1 times the county's median home value of $400,600, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $99,478 (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) | $400,600 |
| New York median home value | $423,800 |
| Limit ÷ median home value | 2.08× |
| Median household income | $99,478 |
| Median home value ÷ income | 4.0× |
| Population | 298,220 |
| Median property tax paid (owners) | $7,562 |
| Effective property tax rate (approx.) | 1.89% |
| Owner-occupied homes | 69.2% |
| Home value rank in New York | 11 of 62 counties |
| Neighbor: Northwest Hills Planning Region, CT | limit $832,750; median home $335,600 |
| Neighbor: Western Connecticut Planning Region, CT | limit $977,500; median home $652,900 |
| Neighbor: Berkshire County, MA | limit $832,750; median home $305,400 |
| Neighbor: Columbia County, NY | limit $832,750; median home $347,100 |
| Neighbor: Orange County, NY | limit $832,750; median home $387,900 |
| Neighbor: Putnam County, NY | limit $1,209,750; median home $471,300 |
| Neighbor: Ulster County, NY | limit $832,750; median home $352,500 |
Across New York's 62 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,209,750, with 10 high-cost counties. Dutchess County's median home value is 5% below the state median of $423,800 (rank 11 of 62). Among its 7 neighboring counties, Western Connecticut Planning Region has the highest median home value ($652,900) and Berkshire County the lowest ($305,400); 2 neighbor(s) have a different loan limit. Owners pay a median $7,562 a year in property tax, an effective rate of about 1.89% 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
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Last updated 2026-10-16. Data only, not financial or tax advice.