Otoe County, Nebraska has a 2026 one-unit conforming loan limit of $832,750, which is 4.1 times the county's median home value of $201,600, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $82,188 (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) | $201,600 |
| Nebraska median home value | $238,600 |
| Limit ÷ median home value | 4.13× |
| Median household income | $82,188 |
| Median home value ÷ income | 2.5× |
| Population | 16,241 |
| Median property tax paid (owners) | $2,691 |
| Effective property tax rate (approx.) | 1.33% |
| Owner-occupied homes | 82.3% |
| Home value rank in Nebraska | 19 of 93 counties |
| Neighbor: Fremont County, IA | limit $832,750; median home $154,400 |
| Neighbor: Atchison County, MO | limit $832,750; median home $106,800 |
| Neighbor: Cass County, NE | limit $832,750; median home $254,900 |
| Neighbor: Gage County, NE | limit $832,750; median home $174,000 |
| Neighbor: Johnson County, NE | limit $832,750; median home $155,500 |
| Neighbor: Lancaster County, NE | limit $832,750; median home $275,200 |
| Neighbor: Nemaha County, NE | limit $832,750; median home $131,700 |
Across Nebraska's 93 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Otoe County's median home value is 16% below the state median of $238,600 (rank 19 of 93). Among its 7 neighboring counties, Lancaster County has the highest median home value ($275,200) and Atchison County the lowest ($106,800); all share the same loan limit. Owners pay a median $2,691 a year in property tax, an effective rate of about 1.33% 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.
Frequently asked questions
What is the conforming loan limit in Otoe County, Nebraska?
Otoe County, Nebraska has a 2026 one-unit conforming loan limit of $832,750, which is 4.1 times the county's median home value of $201,600, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $82,188 (FHFA; Census ACS 2020–2024).
What is the median home value in Otoe County, Nebraska?
The median owner-occupied home value in Otoe County is $201,600 (ACS 2020–2024), versus $238,600 statewide.
Do I need a jumbo loan in Otoe County?
Only if your loan amount exceeds $832,750 for a one-unit home; the county median home value is $201,600, so the cap is 4.13 times the typical home value.
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Last updated Oct 18, 2026, 10:02 PM ET. Data only, not financial or tax advice.
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