Okaloosa County, Florida has a 2026 one-unit conforming loan limit of $832,750, which is 2.4 times the county's median home value of $351,200, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $81,998 (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) | $351,200 |
| Florida median home value | $359,000 |
| Limit ÷ median home value | 2.37× |
| Median household income | $81,998 |
| Median home value ÷ income | 4.3× |
| Population | 216,599 |
| Median property tax paid (owners) | $2,011 |
| Effective property tax rate (approx.) | 0.57% |
| Owner-occupied homes | 68.4% |
| Home value rank in Florida | 21 of 67 counties |
| Neighbor: Covington County, AL | limit $832,750; median home $152,100 |
| Neighbor: Escambia County, AL | limit $832,750; median home $136,500 |
| Neighbor: Santa Rosa County, FL | limit $832,750; median home $329,800 |
| Neighbor: Walton County, FL | limit $832,750; median home $425,100 |
Across Florida's 67 counties, FHFA's 2026 one-unit limits range from $832,750 to $990,150, with 1 high-cost county. Okaloosa County's median home value is 2% below the state median of $359,000 (rank 21 of 67). Among its 4 neighboring counties, Walton County has the highest median home value ($425,100) and Escambia County the lowest ($136,500); all share the same loan limit. Owners pay a median $2,011 a year in property tax, an effective rate of about 0.57% 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.