Oakland County, Michigan has a 2026 one-unit conforming loan limit of $832,750, which is 2.4 times the county's median home value of $343,600, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $97,760 (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) | $343,600 |
| Michigan median home value | $231,600 |
| Limit ÷ median home value | 2.42× |
| Median household income | $97,760 |
| Median home value ÷ income | 3.5× |
| Population | 1,279,825 |
| Median property tax paid (owners) | $4,371 |
| Effective property tax rate (approx.) | 1.27% |
| Owner-occupied homes | 72.7% |
| Home value rank in Michigan | 4 of 83 counties |
| Neighbor: Genesee County, MI | limit $832,750; median home $182,400 |
| Neighbor: Lapeer County, MI | limit $832,750; median home $239,000 |
| Neighbor: Livingston County, MI | limit $832,750; median home $356,800 |
| Neighbor: Macomb County, MI | limit $832,750; median home $243,900 |
| Neighbor: Washtenaw County, MI | limit $832,750; median home $374,100 |
| Neighbor: Wayne County, MI | limit $832,750; median home $178,500 |
Across Michigan's 83 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Oakland County's median home value is 48% above the state median of $231,600 (rank 4 of 83). Among its 6 neighboring counties, Washtenaw County has the highest median home value ($374,100) and Wayne County the lowest ($178,500); all share the same loan limit. Owners pay a median $4,371 a year in property tax, an effective rate of about 1.27% 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: Nueces County, TX
- 2026 conforming loan limit: Nye County, NV
- 2026 conforming loan limit: O'Brien County, IA
- 2026 conforming loan limit: Obion County, TN
- 2026 conforming loan limit: Ocean County, NJ
- 2026 conforming loan limit: Oceana County, MI
- 2026 conforming loan limit: Ochiltree County, TX
- 2026 conforming loan limit: Oconee County, GA
Last updated 2026-10-16. Data only, not financial or tax advice.