Montcalm County, Michigan has a 2026 one-unit conforming loan limit of $832,750, which is 4.5 times the county's median home value of $185,500, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $67,344 (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) | $185,500 |
| Michigan median home value | $231,600 |
| Limit ÷ median home value | 4.49× |
| Median household income | $67,344 |
| Median home value ÷ income | 2.8× |
| Population | 67,816 |
| Median property tax paid (owners) | $1,876 |
| Effective property tax rate (approx.) | 1.01% |
| Owner-occupied homes | 83.1% |
| Home value rank in Michigan | 37 of 83 counties |
| Neighbor: Clinton County, MI | limit $832,750; median home $259,500 |
| Neighbor: Gratiot County, MI | limit $832,750; median home $147,500 |
| Neighbor: Ionia County, MI | limit $832,750; median home $198,500 |
| Neighbor: Isabella County, MI | limit $832,750; median home $170,400 |
| Neighbor: Kent County, MI | limit $832,750; median home $289,900 |
| Neighbor: Mecosta County, MI | limit $832,750; median home $178,900 |
| Neighbor: Newaygo County, MI | limit $832,750; median home $186,700 |
Across Michigan's 83 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Montcalm County's median home value is 20% below the state median of $231,600 (rank 37 of 83). Among its 7 neighboring counties, Kent County has the highest median home value ($289,900) and Gratiot County the lowest ($147,500); all share the same loan limit. Owners pay a median $1,876 a year in property tax, an effective rate of about 1.01% 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.