Osceola County, Iowa has a 2026 one-unit conforming loan limit of $832,750, which is 6.8 times the county's median home value of $122,600, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $69,239 (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) | $122,600 |
| Iowa median home value | $208,000 |
| Limit ÷ median home value | 6.79× |
| Median household income | $69,239 |
| Median home value ÷ income | 1.8× |
| Population | 6,100 |
| Median property tax paid (owners) | $1,387 |
| Effective property tax rate (approx.) | 1.13% |
| Owner-occupied homes | 77.9% |
| Home value rank in Iowa | 84 of 99 counties |
| Neighbor: Clay County, IA | limit $832,750; median home $178,600 |
| Neighbor: Dickinson County, IA | limit $832,750; median home $270,700 |
| Neighbor: Lyon County, IA | limit $832,750; median home $230,000 |
| Neighbor: O'Brien County, IA | limit $832,750; median home $173,100 |
| Neighbor: Sioux County, IA | limit $832,750; median home $250,100 |
| Neighbor: Jackson County, MN | limit $832,750; median home $157,100 |
| Neighbor: Nobles County, MN | limit $832,750; median home $197,200 |
Across Iowa's 99 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Osceola County's median home value is 41% below the state median of $208,000 (rank 84 of 99). Among its 7 neighboring counties, Dickinson County has the highest median home value ($270,700) and Jackson County the lowest ($157,100); all share the same loan limit. Owners pay a median $1,387 a year in property tax, an effective rate of about 1.13% 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
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- 2026 conforming loan limit: Osceola County, MI
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- 2026 conforming loan limit: Otero County, CO
- 2026 conforming loan limit: Otero County, NM
Last updated 2026-10-16. Data only, not financial or tax advice.