San Juan County, New Mexico has a 2026 one-unit conforming loan limit of $832,750, which is 4.3 times the county's median home value of $193,800, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $55,872 (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) | $193,800 |
| New Mexico median home value | $248,100 |
| Limit ÷ median home value | 4.30× |
| Median household income | $55,872 |
| Median home value ÷ income | 3.5× |
| Population | 120,942 |
| Median property tax paid (owners) | $1,317 |
| Effective property tax rate (approx.) | 0.68% |
| Owner-occupied homes | 71.2% |
| Home value rank in New Mexico | 11 of 33 counties |
| Neighbor: Apache County, AZ | limit $832,750; median home $63,700 |
| Neighbor: Archuleta County, CO | limit $832,750; median home $478,100 |
| Neighbor: La Plata County, CO | limit $832,750; median home $591,500 |
| Neighbor: Montezuma County, CO | limit $832,750; median home $331,400 |
| Neighbor: Mckinley County, NM | limit $832,750; median home $78,700 |
| Neighbor: Rio Arriba County, NM | limit $832,750; median home $243,700 |
| Neighbor: Sandoval County, NM | limit $832,750; median home $313,800 |
| Neighbor: San Juan County, UT | limit $832,750; median home $224,200 |
Across New Mexico's 33 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. San Juan County's median home value is 22% below the state median of $248,100 (rank 11 of 33). Among its 8 neighboring counties, La Plata County has the highest median home value ($591,500) and Apache County the lowest ($63,700); all share the same loan limit. Owners pay a median $1,317 a year in property tax, an effective rate of about 0.68% 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: San Jacinto County, TX
- 2026 conforming loan limit: San Joaquin County, CA
- 2026 conforming loan limit: San Juan County, CO
- 2026 conforming loan limit: San Juan County, UT
- 2026 conforming loan limit: San Juan County, WA
- 2026 conforming loan limit: San Juan Municipio, PR
- 2026 conforming loan limit: San Lorenzo Municipio, PR
- 2026 conforming loan limit: San Luis Obispo County, CA
Last updated 2026-10-16. Data only, not financial or tax advice.