Schenectady County, New York has a 2026 one-unit conforming loan limit of $832,750, which is 3.5 times the county's median home value of $235,700, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $79,623 (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) | $235,700 |
| New York median home value | $423,800 |
| Limit ÷ median home value | 3.53× |
| Median household income | $79,623 |
| Median home value ÷ income | 3.0× |
| Population | 160,369 |
| Median property tax paid (owners) | $5,568 |
| Effective property tax rate (approx.) | 2.36% |
| Owner-occupied homes | 64.0% |
| Home value rank in New York | 23 of 62 counties |
| Neighbor: Albany County, NY | limit $832,750; median home $294,600 |
| Neighbor: Montgomery County, NY | limit $832,750; median home $157,500 |
| Neighbor: Saratoga County, NY | limit $832,750; median home $348,600 |
| Neighbor: Schoharie County, NY | limit $832,750; median home $192,500 |
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. Schenectady County's median home value is 44% below the state median of $423,800 (rank 23 of 62). Among its 4 neighboring counties, Saratoga County has the highest median home value ($348,600) and Montgomery County the lowest ($157,500); all share the same loan limit. Owners pay a median $5,568 a year in property tax, an effective rate of about 2.36% 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: Sauk County, WI
- 2026 conforming loan limit: Saunders County, NE
- 2026 conforming loan limit: Sawyer County, WI
- 2026 conforming loan limit: Schleicher County, TX
- 2026 conforming loan limit: Schley County, GA
- 2026 conforming loan limit: Schoharie County, NY
- 2026 conforming loan limit: Schoolcraft County, MI
- 2026 conforming loan limit: Schuyler County, IL
Last updated 2026-10-16. Data only, not financial or tax advice.