Oceana County, Michigan has a 2026 one-unit conforming loan limit of $832,750, which is 4.4 times the county's median home value of $190,100, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $62,417 (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) | $190,100 |
| Michigan median home value | $231,600 |
| Limit ÷ median home value | 4.38× |
| Median household income | $62,417 |
| Median home value ÷ income | 3.0× |
| Population | 26,915 |
| Median property tax paid (owners) | $1,914 |
| Effective property tax rate (approx.) | 1.01% |
| Owner-occupied homes | 84.5% |
| Home value rank in Michigan | 34 of 83 counties |
| Neighbor: Lake County, MI | limit $832,750; median home $133,900 |
| Neighbor: Mason County, MI | limit $832,750; median home $219,600 |
| Neighbor: Muskegon County, MI | limit $832,750; median home $198,300 |
| Neighbor: Newaygo County, MI | limit $832,750; median home $186,700 |
| Neighbor: Ozaukee County, WI | limit $832,750; median home $390,200 |
| Neighbor: Sheboygan County, WI | limit $832,750; median home $232,700 |
Across Michigan's 83 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Oceana County's median home value is 18% below the state median of $231,600 (rank 34 of 83). Among its 6 neighboring counties, Ozaukee County has the highest median home value ($390,200) and Lake County the lowest ($133,900); all share the same loan limit. Owners pay a median $1,914 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
- 2026 conforming loan limit: Oakland County, MI
- 2026 conforming loan limit: Obion County, TN
- 2026 conforming loan limit: Ocean County, NJ
- 2026 conforming loan limit: Ochiltree County, TX
- 2026 conforming loan limit: Oconee County, GA
- 2026 conforming loan limit: Oconee County, SC
- 2026 conforming loan limit: Oconto County, WI
- 2026 conforming loan limit: Ogemaw County, MI
Last updated 2026-10-16. Data only, not financial or tax advice.