Worcester County, Massachusetts loan limits 2026
FIPS 25027 · 99 ZIP codes, e.g. 01005, 01031, 01037, 01068, 01074, 01083 · metro area (CBSA) 49340
In Worcester County the 2026 conforming loan limit is $832,750 for a single-family home — the national baseline. The FHA limit is $545,100. 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 Worcester 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 | $545,100 | +3.3% |
| 2 units | $1,066,250 | $697,800 | +3.3% |
| 3 units | $1,288,800 | $843,500 | +3.3% |
| 4 units | $1,601,750 | $1,048,300 | +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. Worcester County is in metro area CBSA 49340; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $130,400 · Worcester, MA HUD Metro FMR Area
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $73,750 | $84,300 | $94,850 | $105,350 | $113,800 | $122,250 | $130,650 | $139,100 |
| Very low income (50%) | $46,100 | $52,700 | $59,300 | $65,850 | $71,150 | $76,400 | $81,700 | $86,950 |
| Extremely low income (30%) | $27,650 | $31,600 | $35,550 | $39,500 | $42,700 | $45,850 | $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 | $1,577/mo | $1,206 | +30.8% |
| 1 bedroom | $1,587/mo | $1,410 | +12.6% |
| 2 bedrooms | $2,043/mo | $1,749 | +16.8% |
| 3 bedrooms | $2,560/mo | $2,247 | +13.9% |
| 4 bedrooms | $2,915/mo | $2,637 | +10.5% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Worcester, MA HUD Metro FMR Area.
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 Worcester 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 Worcester County?
$545,100 for a single-family home in 2026 (HUD), up to $1,048,300 for a four-unit property.
What counts as a jumbo loan in Worcester County?
A mortgage above $832,750 for a single-family home is a jumbo (non-conforming) loan in Worcester County in 2026.
What are the HUD income limits in Worcester County?
For a family of four (FY2026): low income $105,350, very low income $65,850, extremely low income $39,500; area median family income $130,400.
What is the fair market rent in Worcester County?
$2,043 a month for a two-bedroom unit in FY2027 (HUD), $1,587 for one bedroom.