Ottawa County, Kansas has a 2026 one-unit conforming loan limit of $832,750, which is 5.0 times the county's median home value of $166,000, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $74,018 (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) | $166,000 |
| Kansas median home value | $217,200 |
| Limit ÷ median home value | 5.02× |
| Median household income | $74,018 |
| Median home value ÷ income | 2.2× |
| Population | 5,819 |
| Median property tax paid (owners) | $2,760 |
| Effective property tax rate (approx.) | 1.66% |
| Owner-occupied homes | 77.2% |
| Home value rank in Kansas | 28 of 105 counties |
| Neighbor: Clay County, KS | limit $832,750; median home $155,900 |
| Neighbor: Cloud County, KS | limit $832,750; median home $100,000 |
| Neighbor: Dickinson County, KS | limit $832,750; median home $146,800 |
| Neighbor: Lincoln County, KS | limit $832,750; median home $96,900 |
| Neighbor: Mitchell County, KS | limit $832,750; median home $133,800 |
| Neighbor: Saline County, KS | limit $832,750; median home $179,600 |
Across Kansas's 105 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Ottawa County's median home value is 24% below the state median of $217,200 (rank 28 of 105). Among its 6 neighboring counties, Saline County has the highest median home value ($179,600) and Lincoln County the lowest ($96,900); all share the same loan limit. Owners pay a median $2,760 a year in property tax, an effective rate of about 1.66% 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: Otoe County, NE
- 2026 conforming loan limit: Otsego County, MI
- 2026 conforming loan limit: Otsego County, NY
- 2026 conforming loan limit: Ottawa County, MI
- 2026 conforming loan limit: Ottawa County, OH
- 2026 conforming loan limit: Ottawa County, OK
- 2026 conforming loan limit: Otter Tail County, MN
- 2026 conforming loan limit: Ouachita County, AR
Last updated 2026-10-16. Data only, not financial or tax advice.