Mono County, California has a 2026 one-unit conforming loan limit of $832,750, which is 1.3 times the county's median home value of $639,400, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $99,415 (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) | $639,400 |
| California median home value | $734,700 |
| Limit ÷ median home value | 1.30× |
| Median household income | $99,415 |
| Median home value ÷ income | 6.4× |
| Population | 13,148 |
| Median property tax paid (owners) | $4,177 |
| Effective property tax rate (approx.) | 0.65% |
| Owner-occupied homes | 65.4% |
| Home value rank in California | 20 of 58 counties |
| Neighbor: Alpine County, CA | limit $832,750; median home $590,200 |
| Neighbor: Fresno County, CA | limit $832,750; median home $388,800 |
| Neighbor: Inyo County, CA | limit $832,750; median home $348,700 |
| Neighbor: Madera County, CA | limit $832,750; median home $393,200 |
| Neighbor: Tuolumne County, CA | limit $832,750; median home $433,200 |
| Neighbor: Douglas County, NV | limit $832,750; median home $615,400 |
| Neighbor: Esmeralda County, NV | limit $832,750; median home $108,900 |
| Neighbor: Lyon County, NV | limit $832,750; median home $366,100 |
Across California's 58 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 17 high-cost counties. Mono County's median home value is 13% below the state median of $734,700 (rank 20 of 58). Among its 8 neighboring counties, Douglas County has the highest median home value ($615,400) and Esmeralda County the lowest ($108,900); all share the same loan limit. Owners pay a median $4,177 a year in property tax, an effective rate of about 0.65% 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
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Last updated 2026-10-16. Data only, not financial or tax advice.