Madison County, Florida has a 2026 one-unit conforming loan limit of $832,750, which is 7.2 times the county's median home value of $116,200, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $48,485 (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) | $116,200 |
| Florida median home value | $359,000 |
| Limit ÷ median home value | 7.17× |
| Median household income | $48,485 |
| Median home value ÷ income | 2.4× |
| Population | 18,089 |
| Median property tax paid (owners) | $965 |
| Effective property tax rate (approx.) | 0.83% |
| Owner-occupied homes | 73.4% |
| Home value rank in Florida | 64 of 67 counties |
| Neighbor: Hamilton County, FL | limit $832,750; median home $111,200 |
| Neighbor: Jefferson County, FL | limit $832,750; median home $232,600 |
| Neighbor: Lafayette County, FL | limit $832,750; median home $157,200 |
| Neighbor: Suwannee County, FL | limit $832,750; median home $171,600 |
| Neighbor: Taylor County, FL | limit $832,750; median home $114,600 |
| Neighbor: Brooks County, GA | limit $832,750; median home $139,200 |
| Neighbor: Lowndes County, GA | limit $832,750; median home $215,600 |
Across Florida's 67 counties, FHFA's 2026 one-unit limits range from $832,750 to $990,150, with 1 high-cost county. Madison County's median home value is 68% below the state median of $359,000 (rank 64 of 67). Among its 7 neighboring counties, Jefferson County has the highest median home value ($232,600) and Hamilton County the lowest ($111,200); all share the same loan limit. Owners pay a median $965 a year in property tax, an effective rate of about 0.83% 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: Madera County, CA
- 2026 conforming loan limit: Madison County, AL
- 2026 conforming loan limit: Madison County, AR
- 2026 conforming loan limit: Madison County, GA
- 2026 conforming loan limit: Madison County, IA
- 2026 conforming loan limit: Madison County, ID
- 2026 conforming loan limit: Madison County, IL
- 2026 conforming loan limit: Madison County, IN
Last updated 2026-10-16. Data only, not financial or tax advice.