Gratiot County, Michigan has a 2026 one-unit conforming loan limit of $832,750, which is 5.6 times the county's median home value of $147,500, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $63,556 (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) | $147,500 |
| Michigan median home value | $231,600 |
| Limit ÷ median home value | 5.65× |
| Median household income | $63,556 |
| Median home value ÷ income | 2.3× |
| Population | 41,385 |
| Median property tax paid (owners) | $1,826 |
| Effective property tax rate (approx.) | 1.24% |
| Owner-occupied homes | 78.9% |
| Home value rank in Michigan | 73 of 83 counties |
| Neighbor: Clinton County, MI | limit $832,750; median home $259,500 |
| Neighbor: Ionia County, MI | limit $832,750; median home $198,500 |
| Neighbor: Isabella County, MI | limit $832,750; median home $170,400 |
| Neighbor: Midland County, MI | limit $832,750; median home $195,400 |
| Neighbor: Montcalm County, MI | limit $832,750; median home $185,500 |
| Neighbor: Saginaw County, MI | limit $832,750; median home $152,800 |
| Neighbor: Shiawassee County, MI | limit $832,750; median home $171,600 |
Across Michigan's 83 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Gratiot County's median home value is 36% below the state median of $231,600 (rank 73 of 83). Among its 7 neighboring counties, Clinton County has the highest median home value ($259,500) and Saginaw County the lowest ($152,800); all share the same loan limit. Owners pay a median $1,826 a year in property tax, an effective rate of about 1.24% 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: Grant County, WV
- 2026 conforming loan limit: Grant Parish, LA
- 2026 conforming loan limit: Granville County, NC
- 2026 conforming loan limit: Graves County, KY
- 2026 conforming loan limit: Gray County, KS
- 2026 conforming loan limit: Gray County, TX
- 2026 conforming loan limit: Grays Harbor County, WA
- 2026 conforming loan limit: Grayson County, KY
Last updated 2026-10-16. Data only, not financial or tax advice.