Western Connecticut Planning Region, Connecticut loan limits 2026
In Western Connecticut Planning Region the 2026 conforming loan limit is $977,500 for a single-family home — a high-cost area, 17.4% above the national baseline. The FHA limit is $977,500. Anything above $977,500 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) | $977,500 | $977,500 | — |
| 2 units | $1,251,400 | $1,251,400 | — |
| 3 units | $1,512,650 | $1,512,650 | — |
| 4 units | $1,879,850 | $1,879,850 | — |
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. Western Connecticut Planning Region is in metro area CBSA 14860; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $156,800 · Stamford town, CT Exception Area
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $82,000 | $93,700 | $105,400 | $117,100 | $126,500 | $135,850 | $145,250 | $154,600 |
| Very low income (50%) | $57,050 | $65,200 | $73,350 | $81,500 | $88,050 | $94,550 | $101,100 | $107,600 |
| Extremely low income (30%) | $34,250 | $39,150 | $44,050 | $48,900 | $52,850 | $56,750 | $60,650 | $64,550 |
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 | $1,671/mo | $1,731 | -3.5% |
| 1 bedroom | $2,071/mo | $2,100 | -1.4% |
| 2 bedrooms | $2,399/mo | $2,511 | -4.5% |
| 3 bedrooms | $2,878/mo | $3,036 | -5.2% |
| 4 bedrooms | $3,573/mo | $3,598 | -0.7% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Bridgeport-Stamford-Danbury, CT MSA.
Same metro area
Counties in CBSA 14860 share the same loan limits.
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 Western Connecticut Planning Region, CT for 2026?
$977,500 for a one-unit property ($1,251,400 for 2 units, $1,512,650 for 3, $1,879,850 for 4), set by the FHFA.
What is the FHA loan limit in Western Connecticut Planning Region?
$977,500 for a single-family home in 2026 (HUD), up to $1,879,850 for a four-unit property.
What counts as a jumbo loan in Western Connecticut Planning Region?
A mortgage above $977,500 for a single-family home is a jumbo (non-conforming) loan in Western Connecticut Planning Region in 2026.
What are the HUD income limits in Western Connecticut Planning Region?
For a family of four (FY2026): low income $117,100, very low income $81,500, extremely low income $48,900; area median family income $156,800.
What is the fair market rent in Western Connecticut Planning Region?
$2,399 a month for a two-bedroom unit in FY2027 (HUD), $2,071 for one bedroom.