Jay County, Indiana has a 2026 one-unit conforming loan limit of $832,750, which is 7.1 times the county's median home value of $117,500, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $54,969 (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) | $117,500 |
| Indiana median home value | $218,200 |
| Limit ÷ median home value | 7.09× |
| Median household income | $54,969 |
| Median home value ÷ income | 2.1× |
| Population | 20,229 |
| Median property tax paid (owners) | $707 |
| Effective property tax rate (approx.) | 0.60% |
| Owner-occupied homes | 79.9% |
| Home value rank in Indiana | 89 of 92 counties |
| Neighbor: Adams County, IN | limit $832,750; median home $178,400 |
| Neighbor: Blackford County, IN | limit $832,750; median home $107,500 |
| Neighbor: Delaware County, IN | limit $832,750; median home $139,400 |
| Neighbor: Randolph County, IN | limit $832,750; median home $113,400 |
| Neighbor: Wells County, IN | limit $832,750; median home $197,600 |
| Neighbor: Darke County, OH | limit $832,750; median home $173,200 |
| Neighbor: Mercer County, OH | limit $832,750; median home $210,600 |
Across Indiana's 92 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Jay County's median home value is 46% below the state median of $218,200 (rank 89 of 92). Among its 7 neighboring counties, Mercer County has the highest median home value ($210,600) and Blackford County the lowest ($107,500); all share the same loan limit. Owners pay a median $707 a year in property tax, an effective rate of about 0.60% 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.