Merced County, California has a 2026 one-unit conforming loan limit of $832,750, which is 2.1 times the county's median home value of $391,800, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $65,510 (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) | $391,800 |
| California median home value | $734,700 |
| Limit ÷ median home value | 2.13× |
| Median household income | $65,510 |
| Median home value ÷ income | 6.0× |
| Population | 290,201 |
| Median property tax paid (owners) | $2,634 |
| Effective property tax rate (approx.) | 0.67% |
| Owner-occupied homes | 54.0% |
| Home value rank in California | 40 of 58 counties |
| Neighbor: Fresno County, CA | limit $832,750; median home $388,800 |
| Neighbor: Madera County, CA | limit $832,750; median home $393,200 |
| Neighbor: Mariposa County, CA | limit $832,750; median home $387,900 |
| Neighbor: San Benito County, CA | limit $1,249,125; median home $793,400 |
| Neighbor: Santa Clara County, CA | limit $1,249,125; median home $1,490,600 |
| Neighbor: Stanislaus County, CA | limit $832,750; median home $450,100 |
Across California's 58 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 17 high-cost counties. Merced County's median home value is 47% below the state median of $734,700 (rank 40 of 58). Among its 6 neighboring counties, Santa Clara County has the highest median home value ($1,490,600) and Mariposa County the lowest ($387,900); 2 neighbor(s) have a different loan limit. Owners pay a median $2,634 a year in property tax, an effective rate of about 0.67% 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.