Union County, North Carolina has a 2026 one-unit conforming loan limit of $832,750, which is 2.0 times the county's median home value of $417,300, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $102,900 (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) | $417,300 |
| North Carolina median home value | $288,900 |
| Limit ÷ median home value | 2.00× |
| Median household income | $102,900 |
| Median home value ÷ income | 4.1× |
| Population | 250,958 |
| Median property tax paid (owners) | $2,396 |
| Effective property tax rate (approx.) | 0.57% |
| Owner-occupied homes | 81.6% |
| Home value rank in North Carolina | 5 of 100 counties |
| Neighbor: Anson County, NC | limit $832,750; median home $148,600 |
| Neighbor: Cabarrus County, NC | limit $832,750; median home $354,800 |
| Neighbor: Mecklenburg County, NC | limit $832,750; median home $406,800 |
| Neighbor: Stanly County, NC | limit $832,750; median home $242,400 |
| Neighbor: Chesterfield County, SC | limit $832,750; median home $116,200 |
| Neighbor: Lancaster County, SC | limit $832,750; median home $329,900 |
Across North Carolina's 100 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Union County's median home value is 44% above the state median of $288,900 (rank 5 of 100). Among its 6 neighboring counties, Mecklenburg County has the highest median home value ($406,800) and Chesterfield County the lowest ($116,200); all share the same loan limit. Owners pay a median $2,396 a year in property tax, an effective rate of about 0.57% 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: Union County, IN
- 2026 conforming loan limit: Union County, KY
- 2026 conforming loan limit: Union County, MS
- 2026 conforming loan limit: Union County, NJ
- 2026 conforming loan limit: Union County, NM
- 2026 conforming loan limit: Union County, OH
- 2026 conforming loan limit: Union County, OR
- 2026 conforming loan limit: Union County, PA
Last updated 2026-10-16. Data only, not financial or tax advice.