Winnebago County, Iowa has a 2026 one-unit conforming loan limit of $832,750, which is 6.2 times the county's median home value of $135,000, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $67,642 (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) | $135,000 |
| Iowa median home value | $208,000 |
| Limit ÷ median home value | 6.17× |
| Median household income | $67,642 |
| Median home value ÷ income | 2.0× |
| Population | 10,583 |
| Median property tax paid (owners) | $1,781 |
| Effective property tax rate (approx.) | 1.32% |
| Owner-occupied homes | 70.6% |
| Home value rank in Iowa | 77 of 99 counties |
| Neighbor: Cerro Gordo County, IA | limit $832,750; median home $166,400 |
| Neighbor: Hancock County, IA | limit $832,750; median home $141,400 |
| Neighbor: Kossuth County, IA | limit $832,750; median home $148,300 |
| Neighbor: Worth County, IA | limit $832,750; median home $145,800 |
| Neighbor: Faribault County, MN | limit $832,750; median home $135,300 |
| Neighbor: Freeborn County, MN | limit $832,750; median home $171,100 |
Across Iowa's 99 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Winnebago County's median home value is 35% below the state median of $208,000 (rank 77 of 99). Among its 6 neighboring counties, Freeborn County has the highest median home value ($171,100) and Faribault County the lowest ($135,300); all share the same loan limit. Owners pay a median $1,781 a year in property tax, an effective rate of about 1.32% 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 Oct 16, 2026, 10:42 PM ET. Data only, not financial or tax advice.
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