St. Joseph County, Indiana has a 2026 one-unit conforming loan limit of $832,750, which is 4.3 times the county's median home value of $192,800, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $66,868 (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) | $192,800 |
| Indiana median home value | $218,200 |
| Limit ÷ median home value | 4.32× |
| Median household income | $66,868 |
| Median home value ÷ income | 2.9× |
| Population | 273,040 |
| Median property tax paid (owners) | $1,665 |
| Effective property tax rate (approx.) | 0.86% |
| Owner-occupied homes | 69.0% |
| Home value rank in Indiana | 41 of 92 counties |
| Neighbor: Elkhart County, IN | limit $832,750; median home $210,400 |
| Neighbor: Laporte County, IN | limit $832,750; median home $195,500 |
| Neighbor: Marshall County, IN | limit $832,750; median home $204,900 |
| Neighbor: Starke County, IN | limit $832,750; median home $157,700 |
| Neighbor: Berrien County, MI | limit $832,750; median home $224,300 |
| Neighbor: Cass County, MI | limit $832,750; median home $218,000 |
Across Indiana's 92 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. St. Joseph County's median home value is 12% below the state median of $218,200 (rank 41 of 92). Among its 6 neighboring counties, Berrien County has the highest median home value ($224,300) and Starke County the lowest ($157,700); all share the same loan limit. Owners pay a median $1,665 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
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Last updated 2026-10-16. Data only, not financial or tax advice.