Richmond County, New York has a 2026 one-unit conforming loan limit of $1,209,750, which is 1.8 times the county's median home value of $675,500, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $98,333 (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) | $1,209,750 |
| 2-unit limit | $1,548,975 |
| 3-unit limit | $1,872,225 |
| 4-unit limit | $2,326,875 |
| Median home value (ACS 2020–24) | $675,500 |
| New York median home value | $423,800 |
| Limit ÷ median home value | 1.79× |
| Median household income | $98,333 |
| Median home value ÷ income | 6.9× |
| Population | 494,956 |
| Median property tax paid (owners) | $6,247 |
| Effective property tax rate (approx.) | 0.92% |
| Owner-occupied homes | 67.7% |
| Home value rank in New York | 5 of 62 counties |
| Neighbor: Hudson County, NJ | limit $1,209,750; median home $539,700 |
| Neighbor: Middlesex County, NJ | limit $1,209,750; median home $462,900 |
| Neighbor: Monmouth County, NJ | limit $1,209,750; median home $606,100 |
| Neighbor: Union County, NJ | limit $1,209,750; median home $529,200 |
| Neighbor: Kings County, NY | limit $1,209,750; median home $905,000 |
| Neighbor: Queens County, NY | limit $1,209,750; median home $723,800 |
Across New York's 62 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,209,750, with 10 high-cost counties. Richmond County's median home value is 59% above the state median of $423,800 (rank 5 of 62). Among its 6 neighboring counties, Kings County has the highest median home value ($905,000) and Middlesex County the lowest ($462,900); all share the same loan limit. Owners pay a median $6,247 a year in property tax, an effective rate of about 0.92% 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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Last updated 2026-10-16. Data only, not financial or tax advice.