Putnam County, Florida has a 2026 one-unit conforming loan limit of $832,750, which is 5.2 times the county's median home value of $160,300, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $47,934 (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) | $160,300 |
| Florida median home value | $359,000 |
| Limit ÷ median home value | 5.19× |
| Median household income | $47,934 |
| Median home value ÷ income | 3.3× |
| Population | 75,164 |
| Median property tax paid (owners) | $1,249 |
| Effective property tax rate (approx.) | 0.78% |
| Owner-occupied homes | 75.4% |
| Home value rank in Florida | 56 of 67 counties |
| Neighbor: Alachua County, FL | limit $832,750; median home $288,800 |
| Neighbor: Bradford County, FL | limit $832,750; median home $212,500 |
| Neighbor: Clay County, FL | limit $832,750; median home $312,500 |
| Neighbor: Flagler County, FL | limit $832,750; median home $364,900 |
| Neighbor: Marion County, FL | limit $832,750; median home $243,100 |
| Neighbor: St. Johns County, FL | limit $832,750; median home $489,200 |
| Neighbor: Volusia County, FL | limit $832,750; median home $313,000 |
Across Florida's 67 counties, FHFA's 2026 one-unit limits range from $832,750 to $990,150, with 1 high-cost county. Putnam County's median home value is 55% below the state median of $359,000 (rank 56 of 67). Among its 7 neighboring counties, St. Johns County has the highest median home value ($489,200) and Bradford County the lowest ($212,500); all share the same loan limit. Owners pay a median $1,249 a year in property tax, an effective rate of about 0.78% 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: Pulaski County, MO
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- 2026 conforming loan limit: Putnam County, GA
- 2026 conforming loan limit: Putnam County, IL
- 2026 conforming loan limit: Putnam County, IN
- 2026 conforming loan limit: Putnam County, MO
- 2026 conforming loan limit: Putnam County, NY
Last updated 2026-10-16. Data only, not financial or tax advice.