Richmond County, North Carolina has a 2026 one-unit conforming loan limit of $832,750, which is 6.5 times the county's median home value of $127,800, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $44,883 (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) | $127,800 |
| North Carolina median home value | $288,900 |
| Limit ÷ median home value | 6.52× |
| Median household income | $44,883 |
| Median home value ÷ income | 2.8× |
| Population | 42,344 |
| Median property tax paid (owners) | $1,138 |
| Effective property tax rate (approx.) | 0.89% |
| Owner-occupied homes | 65.9% |
| Home value rank in North Carolina | 88 of 100 counties |
| Neighbor: Anson County, NC | limit $832,750; median home $148,600 |
| Neighbor: Hoke County, NC | limit $832,750; median home $219,300 |
| Neighbor: Montgomery County, NC | limit $832,750; median home $161,700 |
| Neighbor: Moore County, NC | limit $832,750; median home $351,400 |
| Neighbor: Scotland County, NC | limit $832,750; median home $114,900 |
| Neighbor: Stanly County, NC | limit $832,750; median home $242,400 |
| Neighbor: Chesterfield County, SC | limit $832,750; median home $116,200 |
| Neighbor: Marlboro County, SC | limit $832,750; median home $82,000 |
Across North Carolina's 100 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Richmond County's median home value is 56% below the state median of $288,900 (rank 88 of 100). Among its 8 neighboring counties, Moore County has the highest median home value ($351,400) and Marlboro County the lowest ($82,000); all share the same loan limit. Owners pay a median $1,138 a year in property tax, an effective rate of about 0.89% 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: Richland Parish, LA
- 2026 conforming loan limit: Richmond City, VA
- 2026 conforming loan limit: Richmond County, GA
- 2026 conforming loan limit: Richmond County, NY
- 2026 conforming loan limit: Richmond County, VA
- 2026 conforming loan limit: Riley County, KS
- 2026 conforming loan limit: Rincon Municipio, PR
- 2026 conforming loan limit: Ringgold County, IA
Last updated 2026-10-16. Data only, not financial or tax advice.