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2026 conforming loan limit: Los Alamos County, NM

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Los Alamos County, New Mexico has a 2026 one-unit conforming loan limit of $832,750, which is 1.7 times the county's median home value of $495,800, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $147,139 (FHFA; Census ACS 2020–2024).

✓ FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024

Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024

ItemValue
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)$495,800
New Mexico median home value$248,100
Limit ÷ median home value1.68×
Median household income$147,139
Median home value ÷ income3.4×
Population19,435
Median property tax paid (owners)$2,717
Effective property tax rate (approx.)0.55%
Owner-occupied homes74.8%
Home value rank in New Mexico1 of 33 counties
Neighbor: Rio Arriba County, NMlimit $832,750; median home $243,700
Neighbor: Sandoval County, NMlimit $832,750; median home $313,800
Neighbor: Santa Fe County, NMlimit $832,750; median home $446,300

Across New Mexico's 33 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Los Alamos County's median home value is 100% above the state median of $248,100 (rank 1 of 33). Among its 3 neighboring counties, Santa Fe County has the highest median home value ($446,300) and Rio Arriba County the lowest ($243,700); all share the same loan limit. Owners pay a median $2,717 a year in property tax, an effective rate of about 0.55% 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.

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