Valencia County, New Mexico has a 2026 one-unit conforming loan limit of $832,750, which is 3.7 times the county's median home value of $223,000, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $58,933 (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) | $223,000 |
| New Mexico median home value | $248,100 |
| Limit ÷ median home value | 3.73× |
| Median household income | $58,933 |
| Median home value ÷ income | 3.8× |
| Population | 78,458 |
| Median property tax paid (owners) | $1,374 |
| Effective property tax rate (approx.) | 0.62% |
| Owner-occupied homes | 83.2% |
| Home value rank in New Mexico | 8 of 33 counties |
| Neighbor: Bernalillo County, NM | limit $832,750; median home $292,900 |
| Neighbor: Cibola County, NM | limit $832,750; median home $125,400 |
| Neighbor: Socorro County, NM | limit $832,750; median home $137,500 |
| Neighbor: Torrance County, NM | limit $832,750; median home $159,700 |
Across New Mexico's 33 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Valencia County's median home value is 10% below the state median of $248,100 (rank 8 of 33). Among its 4 neighboring counties, Bernalillo County has the highest median home value ($292,900) and Cibola County the lowest ($125,400); all share the same loan limit. Owners pay a median $1,374 a year in property tax, an effective rate of about 0.62% 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.