Swain County, North Carolina has a 2026 one-unit conforming loan limit of $832,750, which is 4.0 times the county's median home value of $207,000, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $52,349 (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) | $207,000 |
| North Carolina median home value | $288,900 |
| Limit ÷ median home value | 4.02× |
| Median household income | $52,349 |
| Median home value ÷ income | 4.0× |
| Population | 14,013 |
| Median property tax paid (owners) | $859 |
| Effective property tax rate (approx.) | 0.41% |
| Owner-occupied homes | 72.7% |
| Home value rank in North Carolina | 58 of 100 counties |
| Neighbor: Graham County, NC | limit $832,750; median home $170,600 |
| Neighbor: Haywood County, NC | limit $832,750; median home $279,200 |
| Neighbor: Jackson County, NC | limit $832,750; median home $284,700 |
| Neighbor: Macon County, NC | limit $832,750; median home $251,900 |
| Neighbor: Blount County, TN | limit $832,750; median home $320,500 |
| Neighbor: Sevier County, TN | limit $832,750; median home $299,000 |
Across North Carolina's 100 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Swain County's median home value is 28% below the state median of $288,900 (rank 58 of 100). Among its 6 neighboring counties, Blount County has the highest median home value ($320,500) and Graham County the lowest ($170,600); all share the same loan limit. Owners pay a median $859 a year in property tax, an effective rate of about 0.41% 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: Sutter County, CA
- 2026 conforming loan limit: Sutton County, TX
- 2026 conforming loan limit: Suwannee County, FL
- 2026 conforming loan limit: Swains Island, AS
- 2026 conforming loan limit: Sweet Grass County, MT
- 2026 conforming loan limit: Sweetwater County, WY
- 2026 conforming loan limit: Swift County, MN
- 2026 conforming loan limit: Swisher County, TX
Last updated 2026-10-16. Data only, not financial or tax advice.