Orange County, New York has a 2026 one-unit conforming loan limit of $832,750, which is 2.1 times the county's median home value of $387,900, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $97,178 (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) | $387,900 |
| New York median home value | $423,800 |
| Limit ÷ median home value | 2.15× |
| Median household income | $97,178 |
| Median home value ÷ income | 4.0× |
| Population | 406,616 |
| Median property tax paid (owners) | $8,494 |
| Effective property tax rate (approx.) | 2.19% |
| Owner-occupied homes | 67.8% |
| Home value rank in New York | 12 of 62 counties |
| Neighbor: Passaic County, NJ | limit $1,209,750; median home $459,500 |
| Neighbor: Sussex County, NJ | limit $1,209,750; median home $369,400 |
| Neighbor: Dutchess County, NY | limit $832,750; median home $400,600 |
| Neighbor: Putnam County, NY | limit $1,209,750; median home $471,300 |
| Neighbor: Rockland County, NY | limit $1,209,750; median home $596,900 |
| Neighbor: Sullivan County, NY | limit $832,750; median home $249,000 |
| Neighbor: Ulster County, NY | limit $832,750; median home $352,500 |
| Neighbor: Pike County, PA | limit $1,209,750; median home $272,600 |
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. Orange County's median home value is 8% below the state median of $423,800 (rank 12 of 62). Among its 8 neighboring counties, Rockland County has the highest median home value ($596,900) and Sullivan County the lowest ($249,000); 5 neighbor(s) have a different loan limit. Owners pay a median $8,494 a year in property tax, an effective rate of about 2.19% 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, FL
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- 2026 conforming loan limit: Orange County, VA
- 2026 conforming loan limit: Orange County, VT
- 2026 conforming loan limit: Orangeburg County, SC
- 2026 conforming loan limits in Oregon by county
Last updated 2026-10-16. Data only, not financial or tax advice.