South Central Connecticut Planning Region, Connecticut loan limits 2026
In South Central Connecticut Planning Region the 2026 conforming loan limit is $832,750 for a single-family home — the national baseline. The FHA limit is $541,287. Anything above $832,750 is a jumbo loan.
Does my loan fit?
How much home fits under the limit?
The highest home price you can buy with a loan that still fits the 2026 limit, at that down payment. Your actual budget depends on income, debts, rates and the lender.
Loan limits by number of units
| Property | Conforming 2026 | FHA 2026 | Conforming vs. 2025 |
|---|---|---|---|
| 1 unit (single-family) | $832,750 | $541,287 | — |
| 2 units | $1,066,250 | $693,050 | — |
| 3 units | $1,288,800 | $837,700 | — |
| 4 units | $1,601,750 | $1,041,125 | — |
Conforming limits (FHFA) apply to loans bought by Fannie Mae and Freddie Mac; VA loans with partial entitlement use the same county limit. FHA limits (HUD) cap FHA-insured mortgages. South Central Connecticut Planning Region is in metro area CBSA 35300; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $123,200 · New Haven, CT MSA
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $69,750 | $79,700 | $89,650 | $99,600 | $107,600 | $115,550 | $123,550 | $131,500 |
| Very low income (50%) | $43,600 | $49,800 | $56,050 | $62,250 | $67,250 | $72,250 | $77,200 | $82,200 |
| Extremely low income (30%) | $26,150 | $29,900 | $33,650 | $37,350 | $40,350 | $44,360 | $50,040 | $55,720 |
Used for housing assistance and many down-payment and first-time-buyer programs. Programs set their own rules; check the program you apply to.
Fair market rent FY2027
| Unit | Fair market rent FY2027 | FY2026 | Change |
|---|---|---|---|
| Studio | $1,609/mo | $1,372 | +17.3% |
| 1 bedroom | $1,743/mo | $1,591 | +9.6% |
| 2 bedrooms | $2,091/mo | $1,969 | +6.2% |
| 3 bedrooms | $2,602/mo | $2,433 | +6.9% |
| 4 bedrooms | $2,935/mo | $2,872 | +2.2% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: New Haven, CT MSA.
Other counties in Connecticut
Highest limits first.
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 is the conforming loan limit in South Central Connecticut Planning Region, CT for 2026?
$832,750 for a one-unit property ($1,066,250 for 2 units, $1,288,800 for 3, $1,601,750 for 4), set by the FHFA.
What is the FHA loan limit in South Central Connecticut Planning Region?
$541,287 for a single-family home in 2026 (HUD), up to $1,041,125 for a four-unit property.
What counts as a jumbo loan in South Central Connecticut Planning Region?
A mortgage above $832,750 for a single-family home is a jumbo (non-conforming) loan in South Central Connecticut Planning Region in 2026.
What are the HUD income limits in South Central Connecticut Planning Region?
For a family of four (FY2026): low income $99,600, very low income $62,250, extremely low income $37,350; area median family income $123,200.
What is the fair market rent in South Central Connecticut Planning Region?
$2,091 a month for a two-bedroom unit in FY2027 (HUD), $1,743 for one bedroom.