Merrick County, Nebraska has a 2026 one-unit conforming loan limit of $832,750, which is 4.7 times the county's median home value of $175,900, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $68,354 (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) | $175,900 |
| Nebraska median home value | $238,600 |
| Limit ÷ median home value | 4.73× |
| Median household income | $68,354 |
| Median home value ÷ income | 2.6× |
| Population | 7,724 |
| Median property tax paid (owners) | $2,280 |
| Effective property tax rate (approx.) | 1.30% |
| Owner-occupied homes | 82.2% |
| Home value rank in Nebraska | 35 of 93 counties |
| Neighbor: Hall County, NE | limit $832,750; median home $224,600 |
| Neighbor: Hamilton County, NE | limit $832,750; median home $253,700 |
| Neighbor: Howard County, NE | limit $832,750; median home $209,100 |
| Neighbor: Nance County, NE | limit $832,750; median home $132,000 |
| Neighbor: Platte County, NE | limit $832,750; median home $223,900 |
| Neighbor: Polk County, NE | limit $832,750; median home $189,900 |
Across Nebraska's 93 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Merrick County's median home value is 26% below the state median of $238,600 (rank 35 of 93). Among its 6 neighboring counties, Hamilton County has the highest median home value ($253,700) and Nance County the lowest ($132,000); all share the same loan limit. Owners pay a median $2,280 a year in property tax, an effective rate of about 1.30% 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.
Frequently asked questions
What is the conforming loan limit in Merrick County, Nebraska?
Merrick County, Nebraska has a 2026 one-unit conforming loan limit of $832,750, which is 4.7 times the county's median home value of $175,900, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $68,354 (FHFA; Census ACS 2020–2024).
What is the median home value in Merrick County, Nebraska?
The median owner-occupied home value in Merrick County is $175,900 (ACS 2020–2024), versus $238,600 statewide.
Do I need a jumbo loan in Merrick County?
Only if your loan amount exceeds $832,750 for a one-unit home; the county median home value is $175,900, so the cap is 4.73 times the typical home value.
Related
- 2026 conforming loan limit: Loup County, NE
- 2026 conforming loan limit: Madison County, NE
- 2026 conforming loan limit: Mcpherson County, NE
- 2026 conforming loan limit: Morrill County, NE
- 2026 conforming loan limit: Nance County, NE
- 2026 conforming loan limit: Nemaha County, NE
- 2026 conforming loan limit: Nuckolls County, NE
- 2026 conforming loan limit: Otoe County, NE
Last updated Oct 16, 2026, 10:42 PM ET. Data only, not financial or tax advice.
Related answers
- Mortgage rates in Nebraska today: 7.40% 30-yr fixed (US avg), 2026 loan limits
- Nebraska state income tax rates and brackets 2026
- Cost of living in Nebraska vs US average (2024)
- 2026 conforming loan limits in Nebraska by county
- $60,000 salary after taxes in Nebraska (2026 take-home pay)
- $85,000 salary after taxes in Nebraska (2026 take-home pay)
- $100,000 salary after taxes in Nebraska (2026 take-home pay)
- 2026 conforming loan limit: Loup County, NE
- 2026 conforming loan limit: Madison County, NE
- 2026 conforming loan limit: Mcpherson County, NE
- 2026 conforming loan limit: Morrill County, NE
- 2026 conforming loan limit: Nance County, NE
- 2026 conforming loan limit: Nemaha County, NE
- Mortgage rates today (Freddie Mac weekly average)