Hampden County, Massachusetts has a 2026 one-unit conforming loan limit of $832,750, which is 2.8 times the county's median home value of $298,800, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $71,306 (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) | $298,800 |
| Massachusetts median home value | $562,100 |
| Limit ÷ median home value | 2.79× |
| Median household income | $71,306 |
| Median home value ÷ income | 4.2× |
| Population | 462,815 |
| Median property tax paid (owners) | $4,455 |
| Effective property tax rate (approx.) | 1.49% |
| Owner-occupied homes | 62.2% |
| Home value rank in Massachusetts | 14 of 14 counties |
| Neighbor: Capitol Planning Region, CT | limit $832,750; median home $323,700 |
| Neighbor: Northeastern Connecticut Planning Region, CT | limit $832,750; median home $307,600 |
| Neighbor: Northwest Hills Planning Region, CT | limit $832,750; median home $335,600 |
| 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 |
Across Massachusetts's 14 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 7 high-cost counties. Hampden County's median home value is 47% below the state median of $562,100 (rank 14 of 14). Among its 6 neighboring counties, Worcester County has the highest median home value ($423,700) and Berkshire County the lowest ($305,400); all share the same loan limit. Owners pay a median $4,455 a year in property tax, an effective rate of about 1.49% 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: Hamilton County, TN
- 2026 conforming loan limit: Hamilton County, TX
- 2026 conforming loan limit: Hamlin County, SD
- 2026 conforming loan limit: Hampshire County, MA
- 2026 conforming loan limit: Hampshire County, WV
- 2026 conforming loan limit: Hampton City, VA
- 2026 conforming loan limit: Hampton County, SC
- 2026 conforming loan limit: Hancock County, GA
Last updated 2026-10-16. Data only, not financial or tax advice.