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2026 conforming loan limit: Taos County, NM

Quick answer

Taos County, New Mexico has a 2026 one-unit conforming loan limit of $832,750, which is 2.2 times the county's median home value of $382,800, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $58,950 (FHFA; Census ACS 2020–2024).

✓ FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024

Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024

ItemValue
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)$382,800
New Mexico median home value$248,100
Limit ÷ median home value2.18×
Median household income$58,950
Median home value ÷ income6.5×
Population34,543
Median property tax paid (owners)$1,129
Effective property tax rate (approx.)0.29%
Owner-occupied homes77.6%
Home value rank in New Mexico3 of 33 counties
Neighbor: Conejos County, COlimit $832,750; median home $193,400
Neighbor: Costilla County, COlimit $832,750; median home $184,700
Neighbor: Colfax County, NMlimit $832,750; median home $167,200
Neighbor: Mora County, NMlimit $832,750; median home $122,600
Neighbor: Rio Arriba County, NMlimit $832,750; median home $243,700

Across New Mexico's 33 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Taos County's median home value is 54% above the state median of $248,100 (rank 3 of 33). Among its 5 neighboring counties, Rio Arriba County has the highest median home value ($243,700) and Mora County the lowest ($122,600); all share the same loan limit. Owners pay a median $1,129 a year in property tax, an effective rate of about 0.29% 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.

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Last updated 2026-10-16. Data only, not financial or tax advice.

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