Orange County, North Carolina has a 2026 one-unit conforming loan limit of $832,750, which is 1.8 times the county's median home value of $459,500, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $90,089 (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) | $459,500 |
| North Carolina median home value | $288,900 |
| Limit ÷ median home value | 1.81× |
| Median household income | $90,089 |
| Median home value ÷ income | 5.1× |
| Population | 149,678 |
| Median property tax paid (owners) | $4,162 |
| Effective property tax rate (approx.) | 0.91% |
| Owner-occupied homes | 63.8% |
| Home value rank in North Carolina | 3 of 100 counties |
| Neighbor: Alamance County, NC | limit $832,750; median home $241,500 |
| Neighbor: Caswell County, NC | limit $832,750; median home $164,500 |
| Neighbor: Chatham County, NC | limit $832,750; median home $446,200 |
| Neighbor: Durham County, NC | limit $832,750; median home $389,400 |
| Neighbor: Person County, NC | limit $832,750; median home $213,900 |
Across North Carolina's 100 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Orange County's median home value is 59% above the state median of $288,900 (rank 3 of 100). Among its 5 neighboring counties, Chatham County has the highest median home value ($446,200) and Caswell County the lowest ($164,500); all share the same loan limit. Owners pay a median $4,162 a year in property tax, an effective rate of about 0.91% 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: Orange County, CA
- 2026 conforming loan limit: Orange County, FL
- 2026 conforming loan limit: Orange County, IN
- 2026 conforming loan limit: Orange County, NY
- 2026 conforming loan limit: Orange County, TX
- 2026 conforming loan limit: Orange County, VA
- 2026 conforming loan limit: Orange County, VT
- 2026 conforming loan limit: Orangeburg County, SC
Last updated 2026-10-16. Data only, not financial or tax advice.