Middlesex County, Massachusetts loan limits 2026
FIPS 25017 · 107 ZIP codes, e.g. 01431, 01432, 01450, 01460, 01463, 01464 · metro area (CBSA) 14460
In Middlesex County the 2026 conforming loan limit is $962,550 for a single-family home — a high-cost area, 15.6% above the national baseline. The FHA limit is $962,550. Anything above $962,550 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 Middlesex 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) | $962,550 | $962,550 | +5.3% |
| 2 units | $1,232,250 | $1,232,250 | +5.3% |
| 3 units | $1,489,500 | $1,489,500 | +5.3% |
| 4 units | $1,851,100 | $1,851,100 | +5.3% |
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. Middlesex County is in metro area CBSA 14460; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $164,600 · Boston-Cambridge-Quincy, MA-NH HUD Metro FMR Area
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $96,000 | $109,700 | $123,400 | $137,100 | $148,100 | $159,050 | $170,050 | $181,000 |
| Very low income (50%) | $60,000 | $68,600 | $77,150 | $85,700 | $92,600 | $99,450 | $106,300 | $113,150 |
| Extremely low income (30%) | $36,000 | $41,150 | $46,300 | $51,400 | $55,550 | $59,650 | $63,750 | $67,850 |
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 | $2,440/mo | $2,359 | +3.4% |
| 1 bedroom | $2,518/mo | $2,476 | +1.7% |
| 2 bedrooms | $3,008/mo | $2,941 | +2.3% |
| 3 bedrooms | $3,584/mo | $3,526 | +1.6% |
| 4 bedrooms | $3,953/mo | $3,894 | +1.5% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Boston-Cambridge-Quincy, MA-NH HUD Metro FMR Area.
Same metro area
Counties in CBSA 14460 share the same loan limits.
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 Middlesex County, MA for 2026?
$962,550 for a one-unit property ($1,232,250 for 2 units, $1,489,500 for 3, $1,851,100 for 4), set by the FHFA; it was $914,250 in 2025.
What is the FHA loan limit in Middlesex County?
$962,550 for a single-family home in 2026 (HUD), up to $1,851,100 for a four-unit property.
What counts as a jumbo loan in Middlesex County?
A mortgage above $962,550 for a single-family home is a jumbo (non-conforming) loan in Middlesex County in 2026.
What are the HUD income limits in Middlesex County?
For a family of four (FY2026): low income $137,100, very low income $85,700, extremely low income $51,400; area median family income $164,600.
What is the fair market rent in Middlesex County?
$3,008 a month for a two-bedroom unit in FY2027 (HUD), $2,518 for one bedroom.