Mercer County, Missouri has a 2026 one-unit conforming loan limit of $832,750, which is 7.9 times the county's median home value of $104,900, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $62,679 (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) | $104,900 |
| Missouri median home value | $230,300 |
| Limit ÷ median home value | 7.94× |
| Median household income | $62,679 |
| Median home value ÷ income | 1.7× |
| Population | 3,482 |
| Median property tax paid (owners) | $1,006 |
| Effective property tax rate (approx.) | 0.96% |
| Owner-occupied homes | 81.0% |
| Home value rank in Missouri | 110 of 115 counties |
| Neighbor: Decatur County, IA | limit $832,750; median home $113,900 |
| Neighbor: Wayne County, IA | limit $832,750; median home $111,300 |
| Neighbor: Grundy County, MO | limit $832,750; median home $112,500 |
| Neighbor: Harrison County, MO | limit $832,750; median home $109,500 |
| Neighbor: Putnam County, MO | limit $832,750; median home $119,500 |
| Neighbor: Sullivan County, MO | limit $832,750; median home $115,600 |
Across Missouri's 115 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Mercer County's median home value is 54% below the state median of $230,300 (rank 110 of 115). Among its 6 neighboring counties, Putnam County has the highest median home value ($119,500) and Harrison County the lowest ($109,500); all share the same loan limit. Owners pay a median $1,006 a year in property tax, an effective rate of about 0.96% 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
- 2026 conforming loan limit: Merced County, CA
- 2026 conforming loan limit: Mercer County, IL
- 2026 conforming loan limit: Mercer County, KY
- 2026 conforming loan limit: Mercer County, ND
- 2026 conforming loan limit: Mercer County, NJ
- 2026 conforming loan limit: Mercer County, OH
- 2026 conforming loan limit: Mercer County, PA
- 2026 conforming loan limit: Mercer County, WV
Last updated 2026-10-16. Data only, not financial or tax advice.