Mckinley County, New Mexico has a 2026 one-unit conforming loan limit of $832,750, which is 10.6 times the county's median home value of $78,700, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $47,668 (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) | $78,700 |
| New Mexico median home value | $248,100 |
| Limit ÷ median home value | 10.58× |
| Median household income | $47,668 |
| Median home value ÷ income | 1.7× |
| Population | 70,431 |
| Median property tax paid (owners) | $1,574 |
| Effective property tax rate (approx.) | 2.00% |
| Owner-occupied homes | 69.8% |
| Home value rank in New Mexico | 32 of 33 counties |
| Neighbor: Apache County, AZ | limit $832,750; median home $63,700 |
| Neighbor: Cibola County, NM | limit $832,750; median home $125,400 |
| Neighbor: Sandoval County, NM | limit $832,750; median home $313,800 |
| Neighbor: San Juan County, NM | limit $832,750; median home $193,800 |
Across New Mexico's 33 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Mckinley County's median home value is 68% below the state median of $248,100 (rank 32 of 33). Among its 4 neighboring counties, Sandoval County has the highest median home value ($313,800) and Apache County the lowest ($63,700); all share the same loan limit. Owners pay a median $1,574 a year in property tax, an effective rate of about 2.00% 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.