Surry County, North Carolina has a 2026 one-unit conforming loan limit of $832,750, which is 4.7 times the county's median home value of $177,600, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $55,656 (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) | $177,600 |
| North Carolina median home value | $288,900 |
| Limit ÷ median home value | 4.69× |
| Median household income | $55,656 |
| Median home value ÷ income | 3.2× |
| Population | 71,425 |
| Median property tax paid (owners) | $1,071 |
| Effective property tax rate (approx.) | 0.60% |
| Owner-occupied homes | 73.4% |
| Home value rank in North Carolina | 71 of 100 counties |
| Neighbor: Alleghany County, NC | limit $832,750; median home $214,800 |
| Neighbor: Forsyth County, NC | limit $832,750; median home $250,400 |
| Neighbor: Stokes County, NC | limit $832,750; median home $196,700 |
| Neighbor: Wilkes County, NC | limit $832,750; median home $168,800 |
| Neighbor: Yadkin County, NC | limit $832,750; median home $181,200 |
| Neighbor: Carroll County, VA | limit $832,750; median home $156,500 |
| Neighbor: Grayson County, VA | limit $832,750; median home $150,100 |
| Neighbor: Patrick County, VA | limit $832,750; median home $153,400 |
Across North Carolina's 100 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Surry County's median home value is 39% below the state median of $288,900 (rank 71 of 100). Among its 8 neighboring counties, Forsyth County has the highest median home value ($250,400) and Grayson County the lowest ($150,100); all share the same loan limit. Owners pay a median $1,071 a year in property tax, an effective rate of about 0.60% 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: Sumter County, GA
- 2026 conforming loan limit: Sumter County, SC
- 2026 conforming loan limit: Sunflower County, MS
- 2026 conforming loan limit: Surry County, VA
- 2026 conforming loan limit: Susquehanna County, PA
- 2026 conforming loan limit: Sussex County, DE
- 2026 conforming loan limit: Sussex County, NJ
- 2026 conforming loan limit: Sussex County, VA
Last updated 2026-10-16. Data only, not financial or tax advice.