Shelby County, Missouri has a 2026 one-unit conforming loan limit of $832,750, which is 8.3 times the county's median home value of $99,900, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $51,594 (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) | $99,900 |
| Missouri median home value | $230,300 |
| Limit ÷ median home value | 8.34× |
| Median household income | $51,594 |
| Median home value ÷ income | 1.9× |
| Population | 5,986 |
| Median property tax paid (owners) | $860 |
| Effective property tax rate (approx.) | 0.86% |
| Owner-occupied homes | 77.5% |
| Home value rank in Missouri | 112 of 115 counties |
| Neighbor: Knox County, MO | limit $832,750; median home $101,400 |
| Neighbor: Lewis County, MO | limit $832,750; median home $130,200 |
| Neighbor: Macon County, MO | limit $832,750; median home $149,100 |
| Neighbor: Marion County, MO | limit $832,750; median home $162,000 |
| Neighbor: Monroe County, MO | limit $832,750; median home $149,300 |
Across Missouri's 115 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Shelby County's median home value is 57% below the state median of $230,300 (rank 112 of 115). Among its 5 neighboring counties, Marion County has the highest median home value ($162,000) and Knox County the lowest ($101,400); all share the same loan limit. Owners pay a median $860 a year in property tax, an effective rate of about 0.86% 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, IL
- 2026 conforming loan limit: Shelby County, IN
- 2026 conforming loan limit: Shelby County, KY
- 2026 conforming loan limit: Shelby County, OH
- 2026 conforming loan limit: Shelby County, TN
- 2026 conforming loan limit: Shelby County, TX
- 2026 conforming loan limit: Shenandoah County, VA
- 2026 conforming loan limit: Sherburne County, MN
Last updated 2026-10-16. Data only, not financial or tax advice.