Franklin County, North Carolina has a 2026 one-unit conforming loan limit of $832,750, which is 2.9 times the county's median home value of $284,300, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $74,240 (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) | $284,300 |
| North Carolina median home value | $288,900 |
| Limit ÷ median home value | 2.93× |
| Median household income | $74,240 |
| Median home value ÷ income | 3.8× |
| Population | 74,386 |
| Median property tax paid (owners) | $1,834 |
| Effective property tax rate (approx.) | 0.65% |
| Owner-occupied homes | 78.6% |
| Home value rank in North Carolina | 26 of 100 counties |
| Neighbor: Granville County, NC | limit $832,750; median home $247,700 |
| Neighbor: Halifax County, NC | limit $832,750; median home $106,200 |
| Neighbor: Johnston County, NC | limit $832,750; median home $305,600 |
| Neighbor: Nash County, NC | limit $832,750; median home $191,000 |
| Neighbor: Vance County, NC | limit $832,750; median home $161,500 |
| Neighbor: Wake County, NC | limit $832,750; median home $461,300 |
| Neighbor: Warren County, NC | limit $832,750; median home $154,200 |
Across North Carolina's 100 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Franklin County's median home value is 2% below the state median of $288,900 (rank 26 of 100). Among its 7 neighboring counties, Wake County has the highest median home value ($461,300) and Halifax County the lowest ($106,200); all share the same loan limit. Owners pay a median $1,834 a year in property tax, an effective rate of about 0.65% 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, ME
- 2026 conforming loan limit: Franklin County, MO
- 2026 conforming loan limit: Franklin County, MS
- 2026 conforming loan limit: Franklin County, NE
- 2026 conforming loan limit: Franklin County, NY
- 2026 conforming loan limit: Franklin County, OH
- 2026 conforming loan limit: Franklin County, PA
- 2026 conforming loan limit: Franklin County, TN
Last updated 2026-10-16. Data only, not financial or tax advice.