Harney County, Oregon has a 2026 one-unit conforming loan limit of $832,750, which is 3.4 times the county's median home value of $242,100, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $55,208 (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) | $242,100 |
| Oregon median home value | $477,600 |
| Limit ÷ median home value | 3.44× |
| Median household income | $55,208 |
| Median home value ÷ income | 4.4× |
| Population | 7,499 |
| Median property tax paid (owners) | $1,943 |
| Effective property tax rate (approx.) | 0.80% |
| Owner-occupied homes | 67.4% |
| Home value rank in Oregon | 31 of 36 counties |
| Neighbor: Humboldt County, NV | limit $832,750; median home $278,300 |
| Neighbor: Washoe County, NV | limit $832,750; median home $539,900 |
| Neighbor: Crook County, OR | limit $832,750; median home $467,000 |
| Neighbor: Deschutes County, OR | limit $832,750; median home $650,900 |
| Neighbor: Grant County, OR | limit $832,750; median home $229,700 |
| Neighbor: Lake County, OR | limit $832,750; median home $219,500 |
| Neighbor: Malheur County, OR | limit $832,750; median home $248,900 |
Across Oregon's 36 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Harney County's median home value is 49% below the state median of $477,600 (rank 31 of 36). Among its 7 neighboring counties, Deschutes County has the highest median home value ($650,900) and Lake County the lowest ($219,500); all share the same loan limit. Owners pay a median $1,943 a year in property tax, an effective rate of about 0.80% 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.