Mercer County, Ohio has a 2026 one-unit conforming loan limit of $832,750, which is 4.0 times the county's median home value of $210,600, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $76,782 (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) | $210,600 |
| Ohio median home value | $214,800 |
| Limit ÷ median home value | 3.95× |
| Median household income | $76,782 |
| Median home value ÷ income | 2.7× |
| Population | 42,484 |
| Median property tax paid (owners) | $2,325 |
| Effective property tax rate (approx.) | 1.10% |
| Owner-occupied homes | 79.6% |
| Home value rank in Ohio | 26 of 88 counties |
| Neighbor: Adams County, IN | limit $832,750; median home $178,400 |
| Neighbor: Jay County, IN | limit $832,750; median home $117,500 |
| Neighbor: Auglaize County, OH | limit $832,750; median home $189,800 |
| Neighbor: Darke County, OH | limit $832,750; median home $173,200 |
| Neighbor: Shelby County, OH | limit $832,750; median home $208,100 |
| Neighbor: Van Wert County, OH | limit $832,750; median home $152,000 |
Across Ohio's 88 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Mercer County's median home value is 2% below the state median of $214,800 (rank 26 of 88). Among its 6 neighboring counties, Shelby County has the highest median home value ($208,100) and Jay County the lowest ($117,500); all share the same loan limit. Owners pay a median $2,325 a year in property tax, an effective rate of about 1.10% 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: Mercer County, MO
- 2026 conforming loan limit: Mercer County, ND
- 2026 conforming loan limit: Mercer County, NJ
- 2026 conforming loan limit: Mercer County, PA
- 2026 conforming loan limit: Mercer County, WV
- 2026 conforming loan limit: Meriwether County, GA
- 2026 conforming loan limit: Merrick County, NE
- 2026 conforming loan limit: Merrimack County, NH
Last updated 2026-10-16. Data only, not financial or tax advice.