2026 loan limits for every county
Conforming, FHA and jumbo limits, HUD income limits and fair market rents — from official FHFA and HUD data.
Conforming loan limit by county, 2026
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How loan limits work
The largest mortgage Fannie Mae and Freddie Mac will buy. Set by the FHFA for every county: $832,750 in most places, up to $1,249,125 where homes cost more.
Anything above the county's conforming limit. Lenders keep or sell these privately, so rates and down-payment rules are usually stricter.
The cap on FHA-insured mortgages, set by HUD at 115% of the county's median home price — between $541,287 and $1,249,125 for one unit.
Biggest increases for 2026
| County | 2025 | 2026 | Change |
|---|---|---|---|
| Lake County, CO | $806,500 | $1,092,500 | +35.5% |
| Moffat County, CO | $806,500 | $1,089,050 | +35% |
| Hickman County, TN | $806,500 | $1,029,250 | +27.6% |
| Routt County, CO | $1,012,000 | $1,089,050 | +7.6% |
| Kalawao County, HI | $1,209,750 | $1,299,500 | +7.4% |
| Maui County, HI | $1,209,750 | $1,299,500 | +7.4% |
| Santa Cruz County, CA | $1,178,750 | $1,249,125 | +6% |
| Essex County, MA | $914,250 | $962,550 | +5.3% |
| Middlesex County, MA | $914,250 | $962,550 | +5.3% |
| Norfolk County, MA | $914,250 | $962,550 | +5.3% |
| Plymouth County, MA | $914,250 | $962,550 | +5.3% |
| Suffolk County, MA | $914,250 | $962,550 | +5.3% |
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Questions
What is the conforming loan limit for 2026?
$832,750 for a single-family home in most counties, up to $1,249,125 in high-cost areas.
What is the FHA loan limit for 2026?
$541,287 to $1,249,125 for a single-family home, depending on the county.
How often do loan limits change?
Once a year. FHFA announces conforming limits in late November and HUD follows with FHA limits; both take effect January 1.
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