Madison County, New York has a 2026 one-unit conforming loan limit of $832,750, which is 4.5 times the county's median home value of $184,600, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $75,499 (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) | $184,600 |
| New York median home value | $423,800 |
| Limit ÷ median home value | 4.51× |
| Median household income | $75,499 |
| Median home value ÷ income | 2.4× |
| Population | 67,328 |
| Median property tax paid (owners) | $4,181 |
| Effective property tax rate (approx.) | 2.26% |
| Owner-occupied homes | 78.3% |
| Home value rank in New York | 34 of 62 counties |
| Neighbor: Chenango County, NY | limit $832,750; median home $137,900 |
| Neighbor: Cortland County, NY | limit $832,750; median home $162,100 |
| Neighbor: Oneida County, NY | limit $832,750; median home $182,600 |
| Neighbor: Onondaga County, NY | limit $832,750; median home $200,200 |
| Neighbor: Oswego County, NY | limit $832,750; median home $151,700 |
| Neighbor: Otsego County, NY | limit $832,750; median home $179,100 |
Across New York's 62 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,209,750, with 10 high-cost counties. Madison County's median home value is 56% below the state median of $423,800 (rank 34 of 62). Among its 6 neighboring counties, Onondaga County has the highest median home value ($200,200) and Chenango County the lowest ($137,900); all share the same loan limit. Owners pay a median $4,181 a year in property tax, an effective rate of about 2.26% 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 Oct 16, 2026, 10:42 PM ET. Data only, not financial or tax advice.
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