Barnstable County, Massachusetts loan limits 2026
FIPS 25001 · 54 ZIP codes, e.g. 02532, 02534, 02536, 02537, 02540, 02541 · metro area (CBSA) 12700
In Barnstable County the 2026 conforming loan limit is $832,750 for a single-family home — the national baseline. The FHA limit is $828,000. 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.
Conforming limit in Barnstable County, 2024–2026
Single-family limit set by the FHFA each year. The 2027 limits are announced in late November 2026 — this page updates automatically.
Loan limits by number of units
| Property | Conforming 2026 | FHA 2026 | Conforming vs. 2025 |
|---|---|---|---|
| 1 unit (single-family) | $832,750 | $828,000 | +3.3% |
| 2 units | $1,066,250 | $1,060,000 | +3.3% |
| 3 units | $1,288,800 | $1,281,300 | +3.3% |
| 4 units | $1,601,750 | $1,592,350 | +3.3% |
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. Barnstable County is in metro area CBSA 12700; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $123,600 · Barnstable Town, MA MSA
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $79,100 | $90,400 | $101,700 | $112,950 | $122,000 | $131,050 | $140,100 | $149,100 |
| Very low income (50%) | $49,450 | $56,500 | $63,550 | $70,600 | $76,250 | $81,900 | $87,550 | $93,200 |
| Extremely low income (30%) | $29,650 | $33,900 | $38,150 | $42,350 | $45,750 | $49,150 | $52,550 | $55,950 |
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 | $1,889/mo | $1,834 | +3% |
| 1 bedroom | $1,902/mo | $1,846 | +3% |
| 2 bedrooms | $2,488/mo | $2,422 | +2.7% |
| 3 bedrooms | $3,121/mo | $2,985 | +4.6% |
| 4 bedrooms | $3,721/mo | $3,428 | +8.5% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Barnstable Town, MA MSA.
Other counties in Massachusetts
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 Barnstable County, MA 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; it was $806,500 in 2025.
What is the FHA loan limit in Barnstable County?
$828,000 for a single-family home in 2026 (HUD), up to $1,592,350 for a four-unit property.
What counts as a jumbo loan in Barnstable County?
A mortgage above $832,750 for a single-family home is a jumbo (non-conforming) loan in Barnstable County in 2026.
What are the HUD income limits in Barnstable County?
For a family of four (FY2026): low income $112,950, very low income $70,600, extremely low income $42,350; area median family income $123,600.
What is the fair market rent in Barnstable County?
$2,488 a month for a two-bedroom unit in FY2027 (HUD), $1,902 for one bedroom.