Manitowoc County, Wisconsin has a 2026 one-unit conforming loan limit of $832,750, which is 4.5 times the county's median home value of $186,900, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $69,148 (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) | $186,900 |
| Wisconsin median home value | $266,500 |
| Limit ÷ median home value | 4.46× |
| Median household income | $69,148 |
| Median home value ÷ income | 2.7× |
| Population | 81,406 |
| Median property tax paid (owners) | $2,695 |
| Effective property tax rate (approx.) | 1.44% |
| Owner-occupied homes | 77.1% |
| Home value rank in Wisconsin | 59 of 72 counties |
| Neighbor: Manistee County, MI | limit $832,750; median home $182,200 |
| Neighbor: Mason County, MI | limit $832,750; median home $219,600 |
| Neighbor: Brown County, WI | limit $832,750; median home $266,000 |
| Neighbor: Calumet County, WI | limit $832,750; median home $274,200 |
| Neighbor: Kewaunee County, WI | limit $832,750; median home $222,200 |
| Neighbor: Sheboygan County, WI | limit $832,750; median home $232,700 |
Across Wisconsin's 72 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Manitowoc County's median home value is 30% below the state median of $266,500 (rank 59 of 72). Among its 6 neighboring counties, Calumet County has the highest median home value ($274,200) and Manistee County the lowest ($182,200); all share the same loan limit. Owners pay a median $2,695 a year in property tax, an effective rate of about 1.44% 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.
Frequently asked questions
What is the conforming loan limit in Manitowoc County, Wisconsin?
Manitowoc County, Wisconsin has a 2026 one-unit conforming loan limit of $832,750, which is 4.5 times the county's median home value of $186,900, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $69,148 (FHFA; Census ACS 2020–2024).
What is the median home value in Manitowoc County, Wisconsin?
The median owner-occupied home value in Manitowoc County is $186,900 (ACS 2020–2024), versus $266,500 statewide.
Do I need a jumbo loan in Manitowoc County?
Only if your loan amount exceeds $832,750 for a one-unit home; the county median home value is $186,900, so the cap is 4.46 times the typical home value.
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Last updated Oct 16, 2026, 10:42 PM ET. Data only, not financial or tax advice.
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