Spencer County, Indiana has a 2026 one-unit conforming loan limit of $832,750, which is 4.5 times the county's median home value of $185,200, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $74,506 (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) | $185,200 |
| Indiana median home value | $218,200 |
| Limit ÷ median home value | 4.50× |
| Median household income | $74,506 |
| Median home value ÷ income | 2.5× |
| Population | 19,955 |
| Median property tax paid (owners) | $1,147 |
| Effective property tax rate (approx.) | 0.62% |
| Owner-occupied homes | 81.3% |
| Home value rank in Indiana | 42 of 92 counties |
| Neighbor: Dubois County, IN | limit $832,750; median home $230,100 |
| Neighbor: Perry County, IN | limit $832,750; median home $163,400 |
| Neighbor: Warrick County, IN | limit $832,750; median home $242,500 |
| Neighbor: Daviess County, KY | limit $832,750; median home $199,900 |
| Neighbor: Hancock County, KY | limit $832,750; median home $141,200 |
Across Indiana's 92 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Spencer County's median home value is 15% below the state median of $218,200 (rank 42 of 92). Among its 5 neighboring counties, Warrick County has the highest median home value ($242,500) and Hancock County the lowest ($141,200); all share the same loan limit. Owners pay a median $1,147 a year in property tax, an effective rate of about 0.62% 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: Southeastern Connecticut Planning Region, CT
- 2026 conforming loan limit: Spalding County, GA
- 2026 conforming loan limit: Spartanburg County, SC
- 2026 conforming loan limit: Spencer County, KY
- 2026 conforming loan limit: Spink County, SD
- 2026 conforming loan limit: Spokane County, WA
- 2026 conforming loan limit: Spotsylvania County, VA
- 2026 conforming loan limit: St. Bernard Parish, LA
Last updated 2026-10-16. Data only, not financial or tax advice.