Quay County, New Mexico has a 2026 one-unit conforming loan limit of $832,750, which is 9.5 times the county's median home value of $87,200, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $41,946 (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) | $87,200 |
| New Mexico median home value | $248,100 |
| Limit ÷ median home value | 9.55× |
| Median household income | $41,946 |
| Median home value ÷ income | 2.1× |
| Population | 8,564 |
| Median property tax paid (owners) | $532 |
| Effective property tax rate (approx.) | 0.61% |
| Owner-occupied homes | 71.6% |
| Home value rank in New Mexico | 31 of 33 counties |
| Neighbor: Curry County, NM | limit $832,750; median home $171,200 |
| Neighbor: De Baca County, NM | limit $832,750; median home $187,500 |
| Neighbor: Guadalupe County, NM | limit $832,750; median home $110,000 |
| Neighbor: Harding County, NM | limit $832,750; median home $70,000 |
| Neighbor: Roosevelt County, NM | limit $832,750; median home $135,800 |
| Neighbor: San Miguel County, NM | limit $832,750; median home $188,500 |
| Neighbor: Union County, NM | limit $832,750; median home $122,700 |
| Neighbor: Deaf Smith County, TX | limit $832,750; median home $121,300 |
Across New Mexico's 33 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Quay County's median home value is 65% below the state median of $248,100 (rank 31 of 33). Among its 8 neighboring counties, San Miguel County has the highest median home value ($188,500) and Harding County the lowest ($70,000); all share the same loan limit. Owners pay a median $532 a year in property tax, an effective rate of about 0.61% 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: Queen Anne'S County, MD
- 2026 conforming loan limit: Queens County, NY
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- 2026 conforming loan limit: Quitman County, MS
Last updated 2026-10-16. Data only, not financial or tax advice.