Penobscot County, Maine has a 2026 one-unit conforming loan limit of $832,750, which is 3.9 times the county's median home value of $214,100, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $66,356 (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) | $214,100 |
| Maine median home value | $296,600 |
| Limit ÷ median home value | 3.89× |
| Median household income | $66,356 |
| Median home value ÷ income | 3.2× |
| Population | 154,710 |
| Median property tax paid (owners) | $2,481 |
| Effective property tax rate (approx.) | 1.16% |
| Owner-occupied homes | 70.5% |
| Home value rank in Maine | 11 of 16 counties |
| Neighbor: Aroostook County, ME | limit $832,750; median home $149,700 |
| Neighbor: Hancock County, ME | limit $832,750; median home $310,400 |
| Neighbor: Piscataquis County, ME | limit $832,750; median home $170,200 |
| Neighbor: Somerset County, ME | limit $832,750; median home $166,900 |
| Neighbor: Waldo County, ME | limit $832,750; median home $257,700 |
| Neighbor: Washington County, ME | limit $832,750; median home $161,800 |
Across Maine's 16 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Penobscot County's median home value is 28% below the state median of $296,600 (rank 11 of 16). Among its 6 neighboring counties, Hancock County has the highest median home value ($310,400) and Aroostook County the lowest ($149,700); all share the same loan limit. Owners pay a median $2,481 a year in property tax, an effective rate of about 1.16% 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: Knox County, ME
- 2026 conforming loan limit: Lincoln County, ME
- 2026 conforming loan limit: Oxford County, ME
- 2026 conforming loan limit: Piscataquis County, ME
- 2026 conforming loan limit: Sagadahoc County, ME
- 2026 conforming loan limit: Somerset County, ME
- 2026 conforming loan limit: Waldo County, ME
- 2026 conforming loan limit: Washington County, ME
Last updated Oct 16, 2026, 10:42 PM ET. Data only, not financial or tax advice.
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