Conforming loan limits 2026
For 2026 the FHFA set the baseline conforming loan limit at $832,750 (+3.3% from $806,500 in 2025) for a one-unit home. In 160 high-cost counties the limit is higher, up to the ceiling of $1,249,125.
2027 conforming loan limits
The FHFA announces the 2027 limits in late November 2026 (the 2026 limits came out on November 25, 2025). They follow the change in average U.S. home prices over the year to the third quarter, and take effect on January 1, 2027. This site updates automatically the day they are published — every county page will show the new limit and the change.
Highest conforming limits
| 1 | Kalawao County, HI | $1,299,500 |
| 2 | Maui County, HI | $1,299,500 |
| 3 | District of Columbia, DC | $1,249,125 |
| 4 | Hawaii County, HI | $1,249,125 |
| 5 | Honolulu County, HI | $1,249,125 |
| 6 | Kauai County, HI | $1,249,125 |
| 7 | Teton County, ID | $1,249,125 |
| 8 | Charles County, MD | $1,249,125 |
| 9 | Frederick County, MD | $1,249,125 |
| 10 | Montgomery County, MD | $1,249,125 |
| 11 | Prince George'S County, MD | $1,249,125 |
| 12 | Dukes County, MA | $1,249,125 |
| 13 | Nantucket County, MA | $1,249,125 |
| 14 | Arlington County, VA | $1,249,125 |
| 15 | Clarke County, VA | $1,249,125 |
| 16 | Culpeper County, VA | $1,249,125 |
| 17 | Fairfax County, VA | $1,249,125 |
| 18 | Fauquier County, VA | $1,249,125 |
| 19 | Loudoun County, VA | $1,249,125 |
| 20 | Prince William County, VA | $1,249,125 |
| 21 | Rappahannock County, VA | $1,249,125 |
| 22 | Spotsylvania County, VA | $1,249,125 |
| 23 | Stafford County, VA | $1,249,125 |
| 24 | Warren County, VA | $1,249,125 |
| 25 | Alexandria City, VA | $1,249,125 |
Official figures, not a loan offer. Limits come from FHFA and HUD publications. Loanlimitmap.com is an independent site — not a government website and not a lender. Whether you qualify for a loan is decided by your lender; check the current figures with them.
Questions
What will the 2027 conforming loan limit be?
The FHFA publishes it in late November 2026; until then the 2026 limit of $832,750 (up to $1,249,125 in high-cost areas) applies. This page updates the day the new limits are released.
What is the conforming loan limit for 2026?
$832,750 for a single-family home in most counties, and up to $1,249,125 in high-cost areas (FHFA).
Who sets the conforming loan limit?
The Federal Housing Finance Agency (FHFA), each November, based on the change in average U.S. home prices.
What happens if my loan is above the limit?
It is a jumbo (non-conforming) loan. Fannie Mae and Freddie Mac do not buy it, so lenders usually have stricter terms.