Graham County, North Carolina has a 2026 one-unit conforming loan limit of $832,750, which is 4.9 times the county's median home value of $170,600, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $49,684 (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) | $170,600 |
| North Carolina median home value | $288,900 |
| Limit ÷ median home value | 4.88× |
| Median household income | $49,684 |
| Median home value ÷ income | 3.4× |
| Population | 8,072 |
| Median property tax paid (owners) | $979 |
| Effective property tax rate (approx.) | 0.57% |
| Owner-occupied homes | 80.7% |
| Home value rank in North Carolina | 74 of 100 counties |
| Neighbor: Cherokee County, NC | limit $832,750; median home $232,300 |
| Neighbor: Macon County, NC | limit $832,750; median home $251,900 |
| Neighbor: Swain County, NC | limit $832,750; median home $207,000 |
| Neighbor: Blount County, TN | limit $832,750; median home $320,500 |
| Neighbor: Monroe County, TN | limit $832,750; median home $227,500 |
Across North Carolina's 100 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Graham County's median home value is 41% below the state median of $288,900 (rank 74 of 100). Among its 5 neighboring counties, Blount County has the highest median home value ($320,500) and Swain County the lowest ($207,000); all share the same loan limit. Owners pay a median $979 a year in property tax, an effective rate of about 0.57% 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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Last updated 2026-10-16. Data only, not financial or tax advice.