In Nantucket County, Massachusetts, the median home value of $1,593,800 is above the 2026 one-unit conforming loan limit of $1,249,125, so a buyer of a typical home needs at least $344,675 more than the loan cap (down payment or a jumbo loan); median household income is $139,688 (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) | $1,249,125 |
| 2-unit limit | $1,599,375 |
| 3-unit limit | $1,933,200 |
| 4-unit limit | $2,402,625 |
| Median home value (ACS 2020–24) | $1,593,800 |
| Massachusetts median home value | $562,100 |
| Limit ÷ median home value | 0.78× |
| Median household income | $139,688 |
| Median home value ÷ income | 11.4× |
| Population | 14,483 |
| Median property tax paid (owners) | $3,974 |
| Effective property tax rate (approx.) | 0.25% |
| Owner-occupied homes | 71.8% |
| Home value rank in Massachusetts | 1 of 14 counties |
| Neighbor: Dukes County, MA | limit $1,249,125; median home $1,165,800 |
Across Massachusetts's 14 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 7 high-cost counties. Nantucket County's median home value is 184% above the state median of $562,100 (rank 1 of 14). Among its 1 neighboring counties, Dukes County has the highest median home value ($1,165,800) and Dukes County the lowest ($1,165,800); all share the same loan limit. Owners pay a median $3,974 a year in property tax, an effective rate of about 0.25% 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 2026-10-16. Data only, not financial or tax advice.