Midland County, Michigan has a 2026 one-unit conforming loan limit of $832,750, which is 4.3 times the county's median home value of $195,400, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $77,705 (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) | $195,400 |
| Michigan median home value | $231,600 |
| Limit ÷ median home value | 4.26× |
| Median household income | $77,705 |
| Median home value ÷ income | 2.5× |
| Population | 83,757 |
| Median property tax paid (owners) | $2,875 |
| Effective property tax rate (approx.) | 1.47% |
| Owner-occupied homes | 78.1% |
| Home value rank in Michigan | 31 of 83 counties |
| Neighbor: Bay County, MI | limit $832,750; median home $152,200 |
| Neighbor: Clare County, MI | limit $832,750; median home $133,800 |
| Neighbor: Gladwin County, MI | limit $832,750; median home $162,300 |
| Neighbor: Gratiot County, MI | limit $832,750; median home $147,500 |
| Neighbor: Isabella County, MI | limit $832,750; median home $170,400 |
| Neighbor: Saginaw County, MI | limit $832,750; median home $152,800 |
Across Michigan's 83 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Midland County's median home value is 16% below the state median of $231,600 (rank 31 of 83). Among its 6 neighboring counties, Isabella County has the highest median home value ($170,400) and Clare County the lowest ($133,800); all share the same loan limit. Owners pay a median $2,875 a year in property tax, an effective rate of about 1.47% 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: Middlesex County, MA
- 2026 conforming loan limit: Middlesex County, NJ
- 2026 conforming loan limit: Middlesex County, VA
- 2026 conforming loan limit: Midland County, TX
- 2026 conforming loan limit: Mifflin County, PA
- 2026 conforming loan limit: Milam County, TX
- 2026 conforming loan limit: Millard County, UT
- 2026 conforming loan limit: Mille Lacs County, MN
Last updated 2026-10-16. Data only, not financial or tax advice.