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2026 conforming loan limit: Harding County, NM

Quick answer

Harding County, New Mexico has a 2026 one-unit conforming loan limit of $832,750, which is 11.9 times the county's median home value of $70,000, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $48,553 (FHFA; Census ACS 2020–2024).

✓ FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024

Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024

ItemValue
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)$70,000
New Mexico median home value$248,100
Limit ÷ median home value11.90×
Median household income$48,553
Median home value ÷ income1.4×
Population741
Median property tax paid (owners)$305
Effective property tax rate (approx.)0.44%
Owner-occupied homes76.9%
Home value rank in New Mexico33 of 33 counties
Neighbor: Colfax County, NMlimit $832,750; median home $167,200
Neighbor: Mora County, NMlimit $832,750; median home $122,600
Neighbor: Quay County, NMlimit $832,750; median home $87,200
Neighbor: San Miguel County, NMlimit $832,750; median home $188,500
Neighbor: Union County, NMlimit $832,750; median home $122,700

Across New Mexico's 33 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Harding County's median home value is 72% below the state median of $248,100 (rank 33 of 33). Among its 5 neighboring counties, San Miguel County has the highest median home value ($188,500) and Quay County the lowest ($87,200); all share the same loan limit. Owners pay a median $305 a year in property tax, an effective rate of about 0.44% 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.

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Last updated 2026-10-16. Data only, not financial or tax advice.

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