Ottawa County, Michigan has a 2026 one-unit conforming loan limit of $832,750, which is 2.6 times the county's median home value of $323,400, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $90,502 (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) | $323,400 |
| Michigan median home value | $231,600 |
| Limit ÷ median home value | 2.57× |
| Median household income | $90,502 |
| Median home value ÷ income | 3.6× |
| Population | 301,203 |
| Median property tax paid (owners) | $3,313 |
| Effective property tax rate (approx.) | 1.02% |
| Owner-occupied homes | 79.3% |
| Home value rank in Michigan | 6 of 83 counties |
| Neighbor: Allegan County, MI | limit $832,750; median home $267,100 |
| Neighbor: Kent County, MI | limit $832,750; median home $289,900 |
| Neighbor: Muskegon County, MI | limit $832,750; median home $198,300 |
| Neighbor: Milwaukee County, WI | limit $832,750; median home $230,700 |
| Neighbor: Racine County, WI | limit $832,750; median home $251,400 |
Across Michigan's 83 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Ottawa County's median home value is 40% above the state median of $231,600 (rank 6 of 83). Among its 5 neighboring counties, Kent County has the highest median home value ($289,900) and Muskegon County the lowest ($198,300); all share the same loan limit. Owners pay a median $3,313 a year in property tax, an effective rate of about 1.02% 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: Otsego County, MI
- 2026 conforming loan limit: Otsego County, NY
- 2026 conforming loan limit: Ottawa County, KS
- 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
- 2026 conforming loan limit: Ouachita Parish, LA
Last updated 2026-10-16. Data only, not financial or tax advice.