Essex County, New York has a 2026 one-unit conforming loan limit of $832,750, which is 3.9 times the county's median home value of $211,900, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $71,661 (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) | $211,900 |
| New York median home value | $423,800 |
| Limit ÷ median home value | 3.93× |
| Median household income | $71,661 |
| Median home value ÷ income | 3.0× |
| Population | 36,973 |
| Median property tax paid (owners) | $3,119 |
| Effective property tax rate (approx.) | 1.47% |
| Owner-occupied homes | 77.3% |
| Home value rank in New York | 27 of 62 counties |
| Neighbor: Clinton County, NY | limit $832,750; median home $180,600 |
| Neighbor: Franklin County, NY | limit $832,750; median home $145,400 |
| Neighbor: Hamilton County, NY | limit $832,750; median home $260,200 |
| Neighbor: Warren County, NY | limit $832,750; median home $267,400 |
| Neighbor: Washington County, NY | limit $832,750; median home $196,200 |
| Neighbor: Addison County, VT | limit $832,750; median home $361,200 |
| Neighbor: Chittenden County, VT | limit $832,750; median home $439,200 |
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. Essex County's median home value is 50% below the state median of $423,800 (rank 27 of 62). Among its 7 neighboring counties, Chittenden County has the highest median home value ($439,200) and Franklin County the lowest ($145,400); all share the same loan limit. Owners pay a median $3,119 a year in property tax, an effective rate of about 1.47% 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: Esmeralda County, NV
- 2026 conforming loan limit: Essex County, MA
- 2026 conforming loan limit: Essex County, NJ
- 2026 conforming loan limit: Essex County, VA
- 2026 conforming loan limit: Essex County, VT
- 2026 conforming loan limit: Estill County, KY
- 2026 conforming loan limit: Etowah County, AL
- 2026 conforming loan limit: Eureka County, NV
Last updated 2026-10-16. Data only, not financial or tax advice.