Elkhart County, Indiana has a 2026 one-unit conforming loan limit of $832,750, which is 4.0 times the county's median home value of $210,400, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $68,561 (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) | $210,400 |
| Indiana median home value | $218,200 |
| Limit ÷ median home value | 3.96× |
| Median household income | $68,561 |
| Median home value ÷ income | 3.1× |
| Population | 207,132 |
| Median property tax paid (owners) | $1,717 |
| Effective property tax rate (approx.) | 0.82% |
| Owner-occupied homes | 71.6% |
| Home value rank in Indiana | 32 of 92 counties |
| Neighbor: Kosciusko County, IN | limit $832,750; median home $216,000 |
| Neighbor: Lagrange County, IN | limit $832,750; median home $255,900 |
| Neighbor: Marshall County, IN | limit $832,750; median home $204,900 |
| Neighbor: Noble County, IN | limit $832,750; median home $196,800 |
| Neighbor: St. Joseph County, IN | limit $832,750; median home $192,800 |
| Neighbor: Cass County, MI | limit $832,750; median home $218,000 |
| Neighbor: St. Joseph County, MI | limit $832,750; median home $178,300 |
Across Indiana's 92 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Elkhart County's median home value is 4% below the state median of $218,200 (rank 32 of 92). Among its 7 neighboring counties, Lagrange County has the highest median home value ($255,900) and St. Joseph County the lowest ($178,300); all share the same loan limit. Owners pay a median $1,717 a year in property tax, an effective rate of about 0.82% 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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- 2026 conforming loan limit: Ellis County, TX
Last updated 2026-10-16. Data only, not financial or tax advice.