Phelps County, Nebraska has a 2026 one-unit conforming loan limit of $832,750, which is 4.3 times the county's median home value of $194,900, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $68,919 (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) | $194,900 |
| Nebraska median home value | $238,600 |
| Limit ÷ median home value | 4.27× |
| Median household income | $68,919 |
| Median home value ÷ income | 2.8× |
| Population | 9,009 |
| Median property tax paid (owners) | $2,573 |
| Effective property tax rate (approx.) | 1.32% |
| Owner-occupied homes | 68.3% |
| Home value rank in Nebraska | 23 of 93 counties |
| Neighbor: Buffalo County, NE | limit $832,750; median home $246,400 |
| Neighbor: Dawson County, NE | limit $832,750; median home $166,200 |
| Neighbor: Franklin County, NE | limit $832,750; median home $95,600 |
| Neighbor: Furnas County, NE | limit $832,750; median home $98,400 |
| Neighbor: Gosper County, NE | limit $832,750; median home $228,500 |
| Neighbor: Harlan County, NE | limit $832,750; median home $145,800 |
| Neighbor: Kearney County, NE | limit $832,750; median home $223,400 |
Across Nebraska's 93 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Phelps County's median home value is 18% below the state median of $238,600 (rank 23 of 93). Among its 7 neighboring counties, Buffalo County has the highest median home value ($246,400) and Franklin County the lowest ($95,600); all share the same loan limit. Owners pay a median $2,573 a year in property tax, an effective rate of about 1.32% 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: Petroleum County, MT
- 2026 conforming loan limit: Pettis County, MO
- 2026 conforming loan limit: Phelps County, MO
- 2026 conforming loan limit: Philadelphia County, PA
- 2026 conforming loan limit: Phillips County, AR
- 2026 conforming loan limit: Phillips County, CO
- 2026 conforming loan limit: Phillips County, KS
- 2026 conforming loan limit: Phillips County, MT
Last updated 2026-10-16. Data only, not financial or tax advice.