Ray County, Missouri has a 2026 one-unit conforming loan limit of $832,750, which is 4.2 times the county's median home value of $198,800, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $74,573 (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) | $198,800 |
| Missouri median home value | $230,300 |
| Limit ÷ median home value | 4.19× |
| Median household income | $74,573 |
| Median home value ÷ income | 2.7× |
| Population | 23,145 |
| Median property tax paid (owners) | $1,594 |
| Effective property tax rate (approx.) | 0.80% |
| Owner-occupied homes | 77.3% |
| Home value rank in Missouri | 31 of 115 counties |
| Neighbor: Caldwell County, MO | limit $832,750; median home $166,500 |
| Neighbor: Carroll County, MO | limit $832,750; median home $117,500 |
| Neighbor: Clay County, MO | limit $832,750; median home $275,600 |
| Neighbor: Clinton County, MO | limit $832,750; median home $226,800 |
| Neighbor: Jackson County, MO | limit $832,750; median home $230,500 |
| Neighbor: Lafayette County, MO | limit $832,750; median home $216,500 |
Across Missouri's 115 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Ray County's median home value is 14% below the state median of $230,300 (rank 31 of 115). Among its 6 neighboring counties, Clay County has the highest median home value ($275,600) and Carroll County the lowest ($117,500); all share the same loan limit. Owners pay a median $1,594 a year in property tax, an effective rate of about 0.80% 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.
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Last updated 2026-10-16. Data only, not financial or tax advice.
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