Phelps County, Missouri has a 2026 one-unit conforming loan limit of $832,750, which is 4.0 times the county's median home value of $206,500, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $58,396 (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) | $206,500 |
| Missouri median home value | $230,300 |
| Limit ÷ median home value | 4.03× |
| Median household income | $58,396 |
| Median home value ÷ income | 3.5× |
| Population | 45,194 |
| Median property tax paid (owners) | $1,312 |
| Effective property tax rate (approx.) | 0.64% |
| Owner-occupied homes | 61.7% |
| Home value rank in Missouri | 27 of 115 counties |
| Neighbor: Crawford County, MO | limit $832,750; median home $172,600 |
| Neighbor: Dent County, MO | limit $832,750; median home $167,500 |
| Neighbor: Gasconade County, MO | limit $832,750; median home $179,900 |
| Neighbor: Maries County, MO | limit $832,750; median home $219,100 |
| Neighbor: Pulaski County, MO | limit $832,750; median home $189,800 |
| Neighbor: Texas County, MO | limit $832,750; median home $146,700 |
Across Missouri's 115 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Phelps County's median home value is 10% below the state median of $230,300 (rank 27 of 115). Among its 6 neighboring counties, Maries County has the highest median home value ($219,100) and Texas County the lowest ($146,700); all share the same loan limit. Owners pay a median $1,312 a year in property tax, an effective rate of about 0.64% 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: Phillips County, CO
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Last updated 2026-10-16. Data only, not financial or tax advice.