Mccracken County, Kentucky has a 2026 one-unit conforming loan limit of $832,750, which is 4.4 times the county's median home value of $188,100, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $64,373 (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) | $188,100 |
| Kentucky median home value | $205,600 |
| Limit ÷ median home value | 4.43× |
| Median household income | $64,373 |
| Median home value ÷ income | 2.9× |
| Population | 67,564 |
| Median property tax paid (owners) | $1,410 |
| Effective property tax rate (approx.) | 0.75% |
| Owner-occupied homes | 68.9% |
| Home value rank in Kentucky | 33 of 120 counties |
| Neighbor: Massac County, IL | limit $832,750; median home $121,900 |
| Neighbor: Pulaski County, IL | limit $832,750; median home $85,100 |
| Neighbor: Ballard County, KY | limit $832,750; median home $145,800 |
| Neighbor: Carlisle County, KY | limit $832,750; median home $120,400 |
| Neighbor: Graves County, KY | limit $832,750; median home $147,800 |
| Neighbor: Livingston County, KY | limit $832,750; median home $125,600 |
| Neighbor: Marshall County, KY | limit $832,750; median home $173,800 |
Across Kentucky's 120 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Mccracken County's median home value is 9% below the state median of $205,600 (rank 33 of 120). Among its 7 neighboring counties, Marshall County has the highest median home value ($173,800) and Pulaski County the lowest ($85,100); all share the same loan limit. Owners pay a median $1,410 a year in property tax, an effective rate of about 0.75% 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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- 2026 conforming loan limit: Mcdonough County, IL
Last updated 2026-10-16. Data only, not financial or tax advice.