Franklin County, Massachusetts has a 2026 one-unit conforming loan limit of $832,750, which is 2.5 times the county's median home value of $329,000, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $74,907 (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) | $329,000 |
| Massachusetts median home value | $562,100 |
| Limit ÷ median home value | 2.53× |
| Median household income | $74,907 |
| Median home value ÷ income | 4.4× |
| Population | 70,944 |
| Median property tax paid (owners) | $4,720 |
| Effective property tax rate (approx.) | 1.43% |
| Owner-occupied homes | 70.1% |
| Home value rank in Massachusetts | 12 of 14 counties |
| Neighbor: Berkshire County, MA | limit $832,750; median home $305,400 |
| Neighbor: Hampshire County, MA | limit $832,750; median home $390,300 |
| Neighbor: Worcester County, MA | limit $832,750; median home $423,700 |
| Neighbor: Cheshire County, NH | limit $832,750; median home $280,100 |
| Neighbor: Bennington County, VT | limit $832,750; median home $279,900 |
| Neighbor: Windham County, VT | limit $832,750; median home $279,600 |
Across Massachusetts's 14 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 7 high-cost counties. Franklin County's median home value is 41% below the state median of $562,100 (rank 12 of 14). Among its 6 neighboring counties, Worcester County has the highest median home value ($423,700) and Windham County the lowest ($279,600); all share the same loan limit. Owners pay a median $4,720 a year in property tax, an effective rate of about 1.43% 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: Franklin County, IN
- 2026 conforming loan limit: Franklin County, KS
- 2026 conforming loan limit: Franklin County, KY
- 2026 conforming loan limit: Franklin County, ME
- 2026 conforming loan limit: Franklin County, MO
- 2026 conforming loan limit: Franklin County, MS
- 2026 conforming loan limit: Franklin County, NC
- 2026 conforming loan limit: Franklin County, NE
Last updated 2026-10-16. Data only, not financial or tax advice.