San Juan County, Utah has a 2026 one-unit conforming loan limit of $832,750, which is 3.7 times the county's median home value of $224,200, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $64,481 (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) | $224,200 |
| Utah median home value | $489,400 |
| Limit ÷ median home value | 3.71× |
| Median household income | $64,481 |
| Median home value ÷ income | 3.5× |
| Population | 14,483 |
| Median property tax paid (owners) | $1,788 |
| Effective property tax rate (approx.) | 0.80% |
| Owner-occupied homes | 80.9% |
| Home value rank in Utah | 28 of 29 counties |
| Neighbor: Apache County, AZ | limit $832,750; median home $63,700 |
| Neighbor: Coconino County, AZ | limit $832,750; median home $448,000 |
| Neighbor: Navajo County, AZ | limit $832,750; median home $201,500 |
| Neighbor: Dolores County, CO | limit $832,750; median home $247,600 |
| Neighbor: Mesa County, CO | limit $832,750; median home $378,600 |
| Neighbor: Montezuma County, CO | limit $832,750; median home $331,400 |
| Neighbor: Montrose County, CO | limit $832,750; median home $388,400 |
| Neighbor: San Miguel County, CO | limit $994,750; median home $720,700 |
Across Utah's 29 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,150,000, with 4 high-cost counties. San Juan County's median home value is 54% below the state median of $489,400 (rank 28 of 29). Among its 8 neighboring counties, San Miguel County has the highest median home value ($720,700) and Apache County the lowest ($63,700); 1 neighbor(s) have a different loan limit. Owners pay a median $1,788 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.
Frequently asked questions
What is the conforming loan limit in San Juan County, Utah?
San Juan County, Utah has a 2026 one-unit conforming loan limit of $832,750, which is 3.7 times the county's median home value of $224,200, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $64,481 (FHFA; Census ACS 2020–2024).
What is the median home value in San Juan County, Utah?
The median owner-occupied home value in San Juan County is $224,200 (ACS 2020–2024), versus $489,400 statewide.
Do I need a jumbo loan in San Juan County?
Only if your loan amount exceeds $832,750 for a one-unit home; the county median home value is $224,200, so the cap is 3.71 times the typical home value.
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Last updated Oct 19, 2026, 10:32 PM ET. Data only, not financial or tax advice.
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