Ontario County, New York has a 2026 one-unit conforming loan limit of $832,750, which is 3.7 times the county's median home value of $222,900, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $82,324 (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) | $222,900 |
| New York median home value | $423,800 |
| Limit ÷ median home value | 3.74× |
| Median household income | $82,324 |
| Median home value ÷ income | 2.7× |
| Population | 112,625 |
| Median property tax paid (owners) | $4,565 |
| Effective property tax rate (approx.) | 2.05% |
| Owner-occupied homes | 73.7% |
| Home value rank in New York | 25 of 62 counties |
| Neighbor: Livingston County, NY | limit $832,750; median home $174,600 |
| Neighbor: Monroe County, NY | limit $832,750; median home $213,700 |
| Neighbor: Seneca County, NY | limit $832,750; median home $155,400 |
| Neighbor: Steuben County, NY | limit $832,750; median home $137,900 |
| Neighbor: Wayne County, NY | limit $832,750; median home $170,000 |
| Neighbor: Yates County, NY | limit $832,750; median home $184,700 |
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. Ontario County's median home value is 47% below the state median of $423,800 (rank 25 of 62). Among its 6 neighboring counties, Monroe County has the highest median home value ($213,700) and Steuben County the lowest ($137,900); all share the same loan limit. Owners pay a median $4,565 a year in property tax, an effective rate of about 2.05% 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: Oneida County, WI
- 2026 conforming loan limit: Onondaga County, NY
- 2026 conforming loan limit: Onslow County, NC
- 2026 conforming loan limit: Ontonagon County, MI
- 2026 conforming loan limit: Orange County, CA
- 2026 conforming loan limit: Orange County, FL
- 2026 conforming loan limit: Orange County, IN
- 2026 conforming loan limit: Orange County, NC
Last updated 2026-10-16. Data only, not financial or tax advice.