Otsego County, Michigan has a 2026 one-unit conforming loan limit of $832,750, which is 3.8 times the county's median home value of $219,700, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $68,183 (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) | $219,700 |
| Michigan median home value | $231,600 |
| Limit ÷ median home value | 3.79× |
| Median household income | $68,183 |
| Median home value ÷ income | 3.2× |
| Population | 25,584 |
| Median property tax paid (owners) | $1,755 |
| Effective property tax rate (approx.) | 0.80% |
| Owner-occupied homes | 77.2% |
| Home value rank in Michigan | 21 of 83 counties |
| Neighbor: Antrim County, MI | limit $832,750; median home $255,500 |
| Neighbor: Charlevoix County, MI | limit $832,750; median home $276,800 |
| Neighbor: Cheboygan County, MI | limit $832,750; median home $192,500 |
| Neighbor: Crawford County, MI | limit $832,750; median home $163,000 |
| Neighbor: Kalkaska County, MI | limit $832,750; median home $188,900 |
| Neighbor: Montmorency County, MI | limit $832,750; median home $158,600 |
| Neighbor: Oscoda County, MI | limit $832,750; median home $125,500 |
Across Michigan's 83 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Otsego County's median home value is 5% below the state median of $231,600 (rank 21 of 83). Among its 7 neighboring counties, Charlevoix County has the highest median home value ($276,800) and Oscoda County the lowest ($125,500); all share the same loan limit. Owners pay a median $1,755 a year in property tax, an effective rate of about 0.80% 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: Otsego County, NY
- 2026 conforming loan limit: Ottawa County, KS
- 2026 conforming loan limit: Ottawa County, MI
- 2026 conforming loan limit: Ottawa County, OH
- 2026 conforming loan limit: Ottawa County, OK
Last updated 2026-10-16. Data only, not financial or tax advice.