Shelby County, Iowa has a 2026 one-unit conforming loan limit of $832,750, which is 5.1 times the county's median home value of $164,000, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $72,738 (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) | $164,000 |
| Iowa median home value | $208,000 |
| Limit ÷ median home value | 5.08× |
| Median household income | $72,738 |
| Median home value ÷ income | 2.3× |
| Population | 11,778 |
| Median property tax paid (owners) | $2,094 |
| Effective property tax rate (approx.) | 1.28% |
| Owner-occupied homes | 77.8% |
| Home value rank in Iowa | 46 of 99 counties |
| Neighbor: Audubon County, IA | limit $832,750; median home $121,900 |
| Neighbor: Carroll County, IA | limit $832,750; median home $176,000 |
| Neighbor: Cass County, IA | limit $832,750; median home $150,300 |
| Neighbor: Crawford County, IA | limit $832,750; median home $153,700 |
| Neighbor: Harrison County, IA | limit $832,750; median home $176,000 |
| Neighbor: Pottawattamie County, IA | limit $832,750; median home $195,700 |
Across Iowa's 99 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Shelby County's median home value is 21% below the state median of $208,000 (rank 46 of 99). Among its 6 neighboring counties, Pottawattamie County has the highest median home value ($195,700) and Audubon County the lowest ($121,900); all share the same loan limit. Owners pay a median $2,094 a year in property tax, an effective rate of about 1.28% 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: Shawnee County, KS
- 2026 conforming loan limit: Sheboygan County, WI
- 2026 conforming loan limit: Shelby County, AL
- 2026 conforming loan limit: Shelby County, IL
- 2026 conforming loan limit: Shelby County, IN
- 2026 conforming loan limit: Shelby County, KY
- 2026 conforming loan limit: Shelby County, MO
- 2026 conforming loan limit: Shelby County, OH
Last updated 2026-10-16. Data only, not financial or tax advice.