Washington County, New York has a 2026 one-unit conforming loan limit of $832,750, which is 4.2 times the county's median home value of $196,200, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $73,495 (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) | $196,200 |
| New York median home value | $423,800 |
| Limit ÷ median home value | 4.24× |
| Median household income | $73,495 |
| Median home value ÷ income | 2.7× |
| Population | 60,522 |
| Median property tax paid (owners) | $3,946 |
| Effective property tax rate (approx.) | 2.01% |
| Owner-occupied homes | 76.6% |
| Home value rank in New York | 29 of 62 counties |
| Neighbor: Essex County, NY | limit $832,750; median home $211,900 |
| Neighbor: Rensselaer County, NY | limit $832,750; median home $258,400 |
| Neighbor: Saratoga County, NY | limit $832,750; median home $348,600 |
| Neighbor: Warren County, NY | limit $832,750; median home $267,400 |
| Neighbor: Addison County, VT | limit $832,750; median home $361,200 |
| Neighbor: Bennington County, VT | limit $832,750; median home $279,900 |
| Neighbor: Rutland County, VT | limit $832,750; median home $229,400 |
Across New York's 62 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,209,750, with 10 high-cost counties. Washington County's median home value is 54% below the state median of $423,800 (rank 29 of 62). Among its 7 neighboring counties, Addison County has the highest median home value ($361,200) and Essex County the lowest ($211,900); all share the same loan limit. Owners pay a median $3,946 a year in property tax, an effective rate of about 2.01% 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: Washington County, MS
- 2026 conforming loan limit: Washington County, NC
- 2026 conforming loan limit: Washington County, NE
- 2026 conforming loan limit: Washington County, OH
- 2026 conforming loan limit: Washington County, OK
- 2026 conforming loan limit: Washington County, OR
- 2026 conforming loan limit: Washington County, PA
- 2026 conforming loan limit: Washington County, RI
Last updated 2026-10-16. Data only, not financial or tax advice.