Dukes County, Massachusetts loan limits 2026
FIPS 25007 · 8 ZIP codes, e.g. 02535, 02539, 02543, 02552, 02557, 02568 · metro area (CBSA) 47240
In Dukes County the 2026 conforming loan limit is $1,249,125 for a single-family home — a high-cost area, 50% above the national baseline. The FHA limit is $1,249,125. Anything above $1,249,125 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 Dukes 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) | $1,249,125 | $1,249,125 | +3.3% |
| 2 units | $1,599,375 | $1,599,375 | +3.3% |
| 3 units | $1,933,200 | $1,933,200 | +3.3% |
| 4 units | $2,402,625 | $2,402,625 | +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. Dukes County is in metro area CBSA 47240; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $163,100 · Dukes County, MA
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $74,800 | $85,450 | $96,150 | $106,800 | $115,350 | $123,900 | $132,450 | $141,000 |
| Very low income (50%) | $57,100 | $65,250 | $73,400 | $81,550 | $88,100 | $94,600 | $101,150 | $107,650 |
| Extremely low income (30%) | $34,300 | $39,200 | $44,100 | $48,950 | $52,900 | $56,800 | $60,700 | $64,650 |
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 | $1,461/mo | $1,623 | -10% |
| 1 bedroom | $1,537/mo | $1,633 | -5.9% |
| 2 bedrooms | $2,010/mo | $2,143 | -6.2% |
| 3 bedrooms | $2,783/mo | $2,980 | -6.6% |
| 4 bedrooms | $3,112/mo | $3,164 | -1.6% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Dukes County, MA.
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 Dukes County, MA for 2026?
$1,249,125 for a one-unit property ($1,599,375 for 2 units, $1,933,200 for 3, $2,402,625 for 4), set by the FHFA; it was $1,209,750 in 2025.
What is the FHA loan limit in Dukes County?
$1,249,125 for a single-family home in 2026 (HUD), up to $2,402,625 for a four-unit property.
What counts as a jumbo loan in Dukes County?
A mortgage above $1,249,125 for a single-family home is a jumbo (non-conforming) loan in Dukes County in 2026.
What are the HUD income limits in Dukes County?
For a family of four (FY2026): low income $106,800, very low income $81,550, extremely low income $48,950; area median family income $163,100.
What is the fair market rent in Dukes County?
$2,010 a month for a two-bedroom unit in FY2027 (HUD), $1,537 for one bedroom.