Shelby County, Indiana has a 2026 one-unit conforming loan limit of $832,750, which is 3.9 times the county's median home value of $212,400, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $72,190 (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) | $212,400 |
| Indiana median home value | $218,200 |
| Limit ÷ median home value | 3.92× |
| Median household income | $72,190 |
| Median home value ÷ income | 2.9× |
| Population | 45,265 |
| Median property tax paid (owners) | $1,412 |
| Effective property tax rate (approx.) | 0.66% |
| Owner-occupied homes | 72.5% |
| Home value rank in Indiana | 31 of 92 counties |
| Neighbor: Bartholomew County, IN | limit $832,750; median home $232,800 |
| Neighbor: Decatur County, IN | limit $832,750; median home $199,100 |
| Neighbor: Hancock County, IN | limit $832,750; median home $274,800 |
| Neighbor: Johnson County, IN | limit $832,750; median home $284,600 |
| Neighbor: Marion County, IN | limit $832,750; median home $224,000 |
| Neighbor: Rush County, IN | limit $832,750; median home $166,800 |
Across Indiana's 92 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Shelby County's median home value is 3% below the state median of $218,200 (rank 31 of 92). Among its 6 neighboring counties, Johnson County has the highest median home value ($284,600) and Rush County the lowest ($166,800); all share the same loan limit. Owners pay a median $1,412 a year in property tax, an effective rate of about 0.66% 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: Shelby County, AL
- 2026 conforming loan limit: Shelby County, IA
- 2026 conforming loan limit: Shelby County, IL
- 2026 conforming loan limit: Shelby County, KY
- 2026 conforming loan limit: Shelby County, MO
- 2026 conforming loan limit: Shelby County, OH
- 2026 conforming loan limit: Shelby County, TN
- 2026 conforming loan limit: Shelby County, TX
Last updated 2026-10-16. Data only, not financial or tax advice.