Houghton County, Michigan has a 2026 one-unit conforming loan limit of $832,750, which is 5.2 times the county's median home value of $159,900, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $58,899 (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) | $159,900 |
| Michigan median home value | $231,600 |
| Limit ÷ median home value | 5.21× |
| Median household income | $58,899 |
| Median home value ÷ income | 2.7× |
| Population | 37,693 |
| Median property tax paid (owners) | $1,858 |
| Effective property tax rate (approx.) | 1.16% |
| Owner-occupied homes | 71.8% |
| Home value rank in Michigan | 58 of 83 counties |
| Neighbor: Baraga County, MI | limit $832,750; median home $138,100 |
| Neighbor: Iron County, MI | limit $832,750; median home $109,100 |
| Neighbor: Keweenaw County, MI | limit $832,750; median home $169,800 |
| Neighbor: Marquette County, MI | limit $832,750; median home $216,500 |
| Neighbor: Ontonagon County, MI | limit $832,750; median home $111,700 |
Across Michigan's 83 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Houghton County's median home value is 31% below the state median of $231,600 (rank 58 of 83). Among its 5 neighboring counties, Marquette County has the highest median home value ($216,500) and Iron County the lowest ($109,100); all share the same loan limit. Owners pay a median $1,858 a year in property tax, an effective rate of about 1.16% 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.