Wake County, North Carolina has a 2026 one-unit conforming loan limit of $832,750, which is 1.8 times the county's median home value of $461,300, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $105,768 (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) | $461,300 |
| North Carolina median home value | $288,900 |
| Limit ÷ median home value | 1.81× |
| Median household income | $105,768 |
| Median home value ÷ income | 4.4× |
| Population | 1,178,653 |
| Median property tax paid (owners) | $3,260 |
| Effective property tax rate (approx.) | 0.71% |
| Owner-occupied homes | 64.1% |
| Home value rank in North Carolina | 1 of 100 counties |
| Neighbor: Chatham County, NC | limit $832,750; median home $446,200 |
| Neighbor: Durham County, NC | limit $832,750; median home $389,400 |
| Neighbor: Franklin County, NC | limit $832,750; median home $284,300 |
| Neighbor: Granville County, NC | limit $832,750; median home $247,700 |
| Neighbor: Harnett County, NC | limit $832,750; median home $246,200 |
| Neighbor: Johnston County, NC | limit $832,750; median home $305,600 |
| Neighbor: Nash County, NC | limit $832,750; median home $191,000 |
Across North Carolina's 100 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Wake County's median home value is 60% above the state median of $288,900 (rank 1 of 100). Among its 7 neighboring counties, Chatham County has the highest median home value ($446,200) and Nash County the lowest ($191,000); all share the same loan limit. Owners pay a median $3,260 a year in property tax, an effective rate of about 0.71% 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.