Steuben County, New York has a 2026 one-unit conforming loan limit of $832,750, which is 6.0 times the county's median home value of $137,900, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $65,887 (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) | $137,900 |
| New York median home value | $423,800 |
| Limit ÷ median home value | 6.04× |
| Median household income | $65,887 |
| Median home value ÷ income | 2.1× |
| Population | 92,588 |
| Median property tax paid (owners) | $3,386 |
| Effective property tax rate (approx.) | 2.46% |
| Owner-occupied homes | 73.3% |
| Home value rank in New York | 58 of 62 counties |
| Neighbor: Allegany County, NY | limit $832,750; median home $101,700 |
| Neighbor: Chemung County, NY | limit $832,750; median home $141,100 |
| Neighbor: Livingston County, NY | limit $832,750; median home $174,600 |
| Neighbor: Ontario County, NY | limit $832,750; median home $222,900 |
| Neighbor: Schuyler County, NY | limit $832,750; median home $171,800 |
| Neighbor: Yates County, NY | limit $832,750; median home $184,700 |
| Neighbor: Potter County, PA | limit $832,750; median home $153,100 |
| Neighbor: Tioga County, PA | limit $832,750; median home $181,100 |
Across New York's 62 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,209,750, with 10 high-cost counties. Steuben County's median home value is 67% below the state median of $423,800 (rank 58 of 62). Among its 8 neighboring counties, Ontario County has the highest median home value ($222,900) and Allegany County the lowest ($101,700); all share the same loan limit. Owners pay a median $3,386 a year in property tax, an effective rate of about 2.46% 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: Stephenson County, IL
- 2026 conforming loan limit: Sterling County, TX
- 2026 conforming loan limit: Steuben County, IN
- 2026 conforming loan limit: Stevens County, KS
- 2026 conforming loan limit: Stevens County, MN
- 2026 conforming loan limit: Stevens County, WA
- 2026 conforming loan limit: Stewart County, GA
- 2026 conforming loan limit: Stewart County, TN
Last updated 2026-10-16. Data only, not financial or tax advice.