Madison County, Indiana has a 2026 one-unit conforming loan limit of $832,750, which is 5.2 times the county's median home value of $161,300, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $63,037 (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) | $161,300 |
| Indiana median home value | $218,200 |
| Limit ÷ median home value | 5.16× |
| Median household income | $63,037 |
| Median home value ÷ income | 2.6× |
| Population | 131,900 |
| Median property tax paid (owners) | $1,192 |
| Effective property tax rate (approx.) | 0.74% |
| Owner-occupied homes | 70.2% |
| Home value rank in Indiana | 64 of 92 counties |
| Neighbor: Delaware County, IN | limit $832,750; median home $139,400 |
| Neighbor: Grant County, IN | limit $832,750; median home $122,300 |
| Neighbor: Hamilton County, IN | limit $832,750; median home $405,500 |
| Neighbor: Hancock County, IN | limit $832,750; median home $274,800 |
| Neighbor: Henry County, IN | limit $832,750; median home $154,400 |
| Neighbor: Tipton County, IN | limit $832,750; median home $174,600 |
Across Indiana's 92 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Madison County's median home value is 26% below the state median of $218,200 (rank 64 of 92). Among its 6 neighboring counties, Hamilton County has the highest median home value ($405,500) and Grant County the lowest ($122,300); all share the same loan limit. Owners pay a median $1,192 a year in property tax, an effective rate of about 0.74% 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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