Carson City, Nevada loan limits 2026
FIPS 32510 · 3 ZIP codes, e.g. 89701, 89703, 89706 · metro area (CBSA) 16180
In Carson City the 2026 conforming loan limit is $832,750 for a single-family home — the national baseline. The FHA limit is $575,000. 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 Carson City, 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 | $575,000 | +3.3% |
| 2 units | $1,066,250 | $736,100 | +3.3% |
| 3 units | $1,288,800 | $889,800 | +3.3% |
| 4 units | $1,601,750 | $1,105,800 | +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. Carson City is in metro area CBSA 16180; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $91,000 · Carson City, NV MSA
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $57,600 | $65,800 | $74,050 | $82,250 | $88,850 | $95,450 | $102,000 | $108,600 |
| Very low income (50%) | $36,000 | $41,100 | $46,300 | $51,400 | $55,550 | $59,650 | $63,750 | $67,850 |
| Extremely low income (30%) | $21,600 | $24,700 | $27,800 | $33,000 | $38,680 | $44,360 | $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 | $1,057/mo | $1,105 | -4.3% |
| 1 bedroom | $1,131/mo | $1,212 | -6.7% |
| 2 bedrooms | $1,453/mo | $1,546 | -6% |
| 3 bedrooms | $2,012/mo | $2,150 | -6.4% |
| 4 bedrooms | $2,429/mo | $2,593 | -6.3% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Carson City, NV MSA.
Other counties in Nevada
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 Carson City, NV 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 Carson City?
$575,000 for a single-family home in 2026 (HUD), up to $1,105,800 for a four-unit property.
What counts as a jumbo loan in Carson City?
A mortgage above $832,750 for a single-family home is a jumbo (non-conforming) loan in Carson City in 2026.
What are the HUD income limits in Carson City?
For a family of four (FY2026): low income $82,250, very low income $51,400, extremely low income $33,000; area median family income $91,000.
What is the fair market rent in Carson City?
$1,453 a month for a two-bedroom unit in FY2027 (HUD), $1,131 for one bedroom.