Luna County, New Mexico has a 2026 one-unit conforming loan limit of $832,750, which is 6.5 times the county's median home value of $128,000, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $36,419 (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) | $128,000 |
| New Mexico median home value | $248,100 |
| Limit ÷ median home value | 6.51× |
| Median household income | $36,419 |
| Median home value ÷ income | 3.5× |
| Population | 25,611 |
| Median property tax paid (owners) | $687 |
| Effective property tax rate (approx.) | 0.54% |
| Owner-occupied homes | 70.9% |
| Home value rank in New Mexico | 25 of 33 counties |
| Neighbor: Dona Ana County, NM | limit $832,750; median home $220,800 |
| Neighbor: Grant County, NM | limit $832,750; median home $175,600 |
| Neighbor: Hidalgo County, NM | limit $832,750; median home $111,000 |
| Neighbor: Sierra County, NM | limit $832,750; median home $152,600 |
Across New Mexico's 33 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Luna County's median home value is 48% below the state median of $248,100 (rank 25 of 33). Among its 4 neighboring counties, Dona Ana County has the highest median home value ($220,800) and Hidalgo County the lowest ($111,000); all share the same loan limit. Owners pay a median $687 a year in property tax, an effective rate of about 0.54% 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.