Josephine County, Oregon has a 2026 one-unit conforming loan limit of $832,750, which is 2.1 times the county's median home value of $404,300, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $60,098 (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) | $404,300 |
| Oregon median home value | $477,600 |
| Limit ÷ median home value | 2.06× |
| Median household income | $60,098 |
| Median home value ÷ income | 6.7× |
| Population | 88,179 |
| Median property tax paid (owners) | $2,086 |
| Effective property tax rate (approx.) | 0.52% |
| Owner-occupied homes | 71.7% |
| Home value rank in Oregon | 17 of 36 counties |
| Neighbor: Del Norte County, CA | limit $832,750; median home $342,000 |
| Neighbor: Siskiyou County, CA | limit $832,750; median home $309,500 |
| Neighbor: Curry County, OR | limit $832,750; median home $381,300 |
| Neighbor: Douglas County, OR | limit $832,750; median home $310,300 |
| Neighbor: Jackson County, OR | limit $832,750; median home $430,200 |
Across Oregon's 36 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Josephine County's median home value is 15% below the state median of $477,600 (rank 17 of 36). Among its 5 neighboring counties, Jackson County has the highest median home value ($430,200) and Siskiyou County the lowest ($309,500); all share the same loan limit. Owners pay a median $2,086 a year in property tax, an effective rate of about 0.52% 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.