Santa Fe County, New Mexico has a 2026 one-unit conforming loan limit of $832,750, which is 1.9 times the county's median home value of $446,300, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $79,071 (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) | $446,300 |
| New Mexico median home value | $248,100 |
| Limit ÷ median home value | 1.87× |
| Median household income | $79,071 |
| Median home value ÷ income | 5.6× |
| Population | 156,105 |
| Median property tax paid (owners) | $2,152 |
| Effective property tax rate (approx.) | 0.48% |
| Owner-occupied homes | 71.5% |
| Home value rank in New Mexico | 2 of 33 counties |
| Neighbor: Bernalillo County, NM | limit $832,750; median home $292,900 |
| Neighbor: Los Alamos County, NM | limit $832,750; median home $495,800 |
| Neighbor: Mora County, NM | limit $832,750; median home $122,600 |
| 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 Miguel County, NM | limit $832,750; median home $188,500 |
| Neighbor: Torrance County, NM | limit $832,750; median home $159,700 |
Across New Mexico's 33 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Santa Fe County's median home value is 80% above the state median of $248,100 (rank 2 of 33). Among its 7 neighboring counties, Los Alamos County has the highest median home value ($495,800) and Mora County the lowest ($122,600); all share the same loan limit. Owners pay a median $2,152 a year in property tax, an effective rate of about 0.48% 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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- 2026 conforming loan limit: Sarasota County, FL
- 2026 conforming loan limit: Saratoga County, NY
- 2026 conforming loan limit: Sargent County, ND
Last updated 2026-10-16. Data only, not financial or tax advice.