Kalkaska County, Michigan has a 2026 one-unit conforming loan limit of $832,750, which is 4.4 times the county's median home value of $188,900, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $68,578 (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) | $188,900 |
| Michigan median home value | $231,600 |
| Limit ÷ median home value | 4.41× |
| Median household income | $68,578 |
| Median home value ÷ income | 2.8× |
| Population | 18,239 |
| Median property tax paid (owners) | $1,646 |
| Effective property tax rate (approx.) | 0.87% |
| Owner-occupied homes | 88.2% |
| Home value rank in Michigan | 35 of 83 counties |
| Neighbor: Antrim County, MI | limit $832,750; median home $255,500 |
| Neighbor: Crawford County, MI | limit $832,750; median home $163,000 |
| Neighbor: Grand Traverse County, MI | limit $832,750; median home $339,400 |
| Neighbor: Missaukee County, MI | limit $832,750; median home $170,400 |
| Neighbor: Otsego County, MI | limit $832,750; median home $219,700 |
| Neighbor: Roscommon County, MI | limit $832,750; median home $158,700 |
| Neighbor: Wexford County, MI | limit $832,750; median home $170,400 |
Across Michigan's 83 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Kalkaska County's median home value is 18% below the state median of $231,600 (rank 35 of 83). Among its 7 neighboring counties, Grand Traverse County has the highest median home value ($339,400) and Roscommon County the lowest ($158,700); all share the same loan limit. Owners pay a median $1,646 a year in property tax, an effective rate of about 0.87% 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
- 2026 conforming loan limit: Isabella County, MI
- 2026 conforming loan limit: Jackson County, MI
- 2026 conforming loan limit: Kalamazoo County, MI
- 2026 conforming loan limit: Kent County, MI
- 2026 conforming loan limit: Keweenaw County, MI
- 2026 conforming loan limit: Lake County, MI
- 2026 conforming loan limit: Lapeer County, MI
- 2026 conforming loan limit: Leelanau County, MI
Last updated 2026-10-16. Data only, not financial or tax advice.
Related answers
- Mortgage rates in Michigan today: 7.40% 30-yr, 2026 loan limits
- Michigan state income tax rates and brackets 2026
- Cost of living in Michigan vs US average (2024)
- 2026 conforming loan limits in Michigan by county
- $60,000 salary after taxes in Michigan (2026 take-home pay)
- $85,000 salary after taxes in Michigan (2026 take-home pay)
- $100,000 salary after taxes in Michigan (2026 take-home pay)
- 2026 conforming loan limit: Isabella County, MI
- 2026 conforming loan limit: Jackson County, MI
- 2026 conforming loan limit: Kalamazoo County, MI
- 2026 conforming loan limit: Kent County, MI
- 2026 conforming loan limit: Keweenaw County, MI
- 2026 conforming loan limit: Lake County, MI
- Mortgage rates today (Freddie Mac weekly average)