Smith County, Kansas has a 2026 one-unit conforming loan limit of $832,750, which is 8.8 times the county's median home value of $94,100, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $59,135 (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) | $94,100 |
| Kansas median home value | $217,200 |
| Limit ÷ median home value | 8.85× |
| Median household income | $59,135 |
| Median home value ÷ income | 1.6× |
| Population | 3,552 |
| Median property tax paid (owners) | $1,722 |
| Effective property tax rate (approx.) | 1.83% |
| Owner-occupied homes | 84.8% |
| Home value rank in Kansas | 86 of 105 counties |
| Neighbor: Jewell County, KS | limit $832,750; median home $64,600 |
| Neighbor: Osborne County, KS | limit $832,750; median home $86,400 |
| Neighbor: Phillips County, KS | limit $832,750; median home $96,500 |
| Neighbor: Rooks County, KS | limit $832,750; median home $89,000 |
| Neighbor: Franklin County, NE | limit $832,750; median home $95,600 |
| Neighbor: Webster County, NE | limit $832,750; median home $117,600 |
Across Kansas's 105 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Smith County's median home value is 57% below the state median of $217,200 (rank 86 of 105). Among its 6 neighboring counties, Webster County has the highest median home value ($117,600) and Jewell County the lowest ($64,600); all share the same loan limit. Owners pay a median $1,722 a year in property tax, an effective rate of about 1.83% 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: Skagway Municipality, AK
- 2026 conforming loan limit: Skamania County, WA
- 2026 conforming loan limit: Slope County, ND
- 2026 conforming loan limit: Smith County, MS
- 2026 conforming loan limit: Smith County, TN
- 2026 conforming loan limit: Smith County, TX
- 2026 conforming loan limit: Smyth County, VA
- 2026 conforming loan limit: Snohomish County, WA
Last updated 2026-10-16. Data only, not financial or tax advice.