Modoc County, California has a 2026 one-unit conforming loan limit of $832,750, which is 3.7 times the county's median home value of $224,700, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $59,455 (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) | $224,700 |
| California median home value | $734,700 |
| Limit ÷ median home value | 3.71× |
| Median household income | $59,455 |
| Median home value ÷ income | 3.8× |
| Population | 8,600 |
| Median property tax paid (owners) | $1,561 |
| Effective property tax rate (approx.) | 0.69% |
| Owner-occupied homes | 77.4% |
| Home value rank in California | 58 of 58 counties |
| Neighbor: Lassen County, CA | limit $832,750; median home $265,300 |
| Neighbor: Shasta County, CA | limit $832,750; median home $366,400 |
| Neighbor: Siskiyou County, CA | limit $832,750; median home $309,500 |
| Neighbor: Washoe County, NV | limit $832,750; median home $539,900 |
| Neighbor: Klamath County, OR | limit $832,750; median home $280,400 |
| Neighbor: Lake County, OR | limit $832,750; median home $219,500 |
Across California's 58 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 17 high-cost counties. Modoc County's median home value is 69% below the state median of $734,700 (rank 58 of 58). Among its 6 neighboring counties, Washoe County has the highest median home value ($539,900) and Lake County the lowest ($219,500); all share the same loan limit. Owners pay a median $1,561 a year in property tax, an effective rate of about 0.69% 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 Oct 16, 2026, 10:42 PM ET. Data only, not financial or tax advice.
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