Waldo County, Maine has a 2026 one-unit conforming loan limit of $832,750, which is 3.2 times the county's median home value of $257,700, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $72,782 (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) | $257,700 |
| Maine median home value | $296,600 |
| Limit ÷ median home value | 3.23× |
| Median household income | $72,782 |
| Median home value ÷ income | 3.5× |
| Population | 40,192 |
| Median property tax paid (owners) | $2,684 |
| Effective property tax rate (approx.) | 1.04% |
| Owner-occupied homes | 81.9% |
| Home value rank in Maine | 7 of 16 counties |
| Neighbor: Hancock County, ME | limit $832,750; median home $310,400 |
| Neighbor: Kennebec County, ME | limit $832,750; median home $238,200 |
| Neighbor: Knox County, ME | limit $832,750; median home $324,900 |
| Neighbor: Lincoln County, ME | limit $832,750; median home $332,700 |
| Neighbor: Penobscot County, ME | limit $832,750; median home $214,100 |
| Neighbor: Somerset County, ME | limit $832,750; median home $166,900 |
Across Maine's 16 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Waldo County's median home value is 13% below the state median of $296,600 (rank 7 of 16). Among its 6 neighboring counties, Lincoln County has the highest median home value ($332,700) and Somerset County the lowest ($166,900); all share the same loan limit. Owners pay a median $2,684 a year in property tax, an effective rate of about 1.04% 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: Wahkiakum County, WA
- 2026 conforming loan limit: Wake County, NC
- 2026 conforming loan limit: Wakulla County, FL
- 2026 conforming loan limit: Walker County, AL
- 2026 conforming loan limit: Walker County, GA
- 2026 conforming loan limit: Walker County, TX
- 2026 conforming loan limit: Walla Walla County, WA
- 2026 conforming loan limit: Wallace County, KS
Last updated 2026-10-16. Data only, not financial or tax advice.