Montgomery County, New York has a 2026 one-unit conforming loan limit of $832,750, which is 5.3 times the county's median home value of $157,500, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $64,943 (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) | $157,500 |
| New York median home value | $423,800 |
| Limit ÷ median home value | 5.29× |
| Median household income | $64,943 |
| Median home value ÷ income | 2.4× |
| Population | 49,528 |
| Median property tax paid (owners) | $3,872 |
| Effective property tax rate (approx.) | 2.46% |
| Owner-occupied homes | 70.4% |
| Home value rank in New York | 49 of 62 counties |
| Neighbor: Fulton County, NY | limit $832,750; median home $163,100 |
| Neighbor: Herkimer County, NY | limit $832,750; median home $147,700 |
| Neighbor: Otsego County, NY | limit $832,750; median home $179,100 |
| Neighbor: Saratoga County, NY | limit $832,750; median home $348,600 |
| Neighbor: Schenectady County, NY | limit $832,750; median home $235,700 |
| Neighbor: Schoharie County, NY | limit $832,750; median home $192,500 |
Across New York's 62 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,209,750, with 10 high-cost counties. Montgomery County's median home value is 63% below the state median of $423,800 (rank 49 of 62). Among its 6 neighboring counties, Saratoga County has the highest median home value ($348,600) and Herkimer County the lowest ($147,700); all share the same loan limit. Owners pay a median $3,872 a year in property tax, an effective rate of about 2.46% 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: Montgomery County, MO
- 2026 conforming loan limit: Montgomery County, MS
- 2026 conforming loan limit: Montgomery County, NC
- 2026 conforming loan limit: Montgomery County, OH
- 2026 conforming loan limit: Montgomery County, PA
- 2026 conforming loan limit: Montgomery County, TN
- 2026 conforming loan limit: Montgomery County, TX
- 2026 conforming loan limit: Montgomery County, VA
Last updated 2026-10-16. Data only, not financial or tax advice.