Eddy County, New Mexico has a 2026 one-unit conforming loan limit of $832,750, which is 3.9 times the county's median home value of $212,600, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $78,426 (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) | $212,600 |
| New Mexico median home value | $248,100 |
| Limit ÷ median home value | 3.92× |
| Median household income | $78,426 |
| Median home value ÷ income | 2.7× |
| Population | 61,105 |
| Median property tax paid (owners) | $1,095 |
| Effective property tax rate (approx.) | 0.52% |
| Owner-occupied homes | 73.3% |
| Home value rank in New Mexico | 10 of 33 counties |
| Neighbor: Chaves County, NM | limit $832,750; median home $156,400 |
| Neighbor: Lea County, NM | limit $832,750; median home $184,000 |
| Neighbor: Otero County, NM | limit $832,750; median home $162,700 |
| Neighbor: Culberson County, TX | limit $832,750; median home $79,300 |
| Neighbor: Loving County, TX | limit $832,750; median home n/a |
| Neighbor: Reeves County, TX | limit $832,750; median home $118,000 |
Across New Mexico's 33 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Eddy County's median home value is 14% below the state median of $248,100 (rank 10 of 33). Among its 6 neighboring counties, Lea County has the highest median home value ($184,000) and Culberson County the lowest ($79,300); all share the same loan limit. Owners pay a median $1,095 a year in property tax, an effective rate of about 0.52% 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: Echols County, GA
- 2026 conforming loan limit: Ector County, TX
- 2026 conforming loan limit: Eddy County, ND
- 2026 conforming loan limit: Edgar County, IL
- 2026 conforming loan limit: Edgecombe County, NC
- 2026 conforming loan limit: Edgefield County, SC
- 2026 conforming loan limit: Edmonson County, KY
- 2026 conforming loan limit: Edmunds County, SD
Last updated 2026-10-16. Data only, not financial or tax advice.