Los Alamos County, New Mexico loan limits 2026
FIPS 35028 · 2 ZIP codes, e.g. 87545, 87547 · metro area (CBSA) 31060
In Los Alamos County the 2026 conforming loan limit is $832,750 for a single-family home — the national baseline. The FHA limit is $692,300. 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 Los Alamos 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 | $692,300 | +3.3% |
| 2 units | $1,066,250 | $886,250 | +3.3% |
| 3 units | $1,288,800 | $1,071,300 | +3.3% |
| 4 units | $1,601,750 | $1,331,350 | +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. Los Alamos County is in metro area CBSA 31060; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $182,500 · Los Alamos County, NM
| 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%) | $59,850 | $68,400 | $76,950 | $85,450 | $92,300 | $99,150 | $106,000 | $112,800 |
| Extremely low income (30%) | $35,900 | $41,000 | $46,150 | $51,250 | $55,350 | $59,450 | $63,550 | $67,650 |
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 | $1,305/mo | $1,200 | +8.8% |
| 1 bedroom | $1,433/mo | $1,326 | +8.1% |
| 2 bedrooms | $1,874/mo | $1,740 | +7.7% |
| 3 bedrooms | $2,233/mo | $2,086 | +7% |
| 4 bedrooms | $3,132/mo | $2,843 | +10.2% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Los Alamos County, NM.
Other counties in New Mexico
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 Los Alamos County, NM 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 Los Alamos County?
$692,300 for a single-family home in 2026 (HUD), up to $1,331,350 for a four-unit property.
What counts as a jumbo loan in Los Alamos County?
A mortgage above $832,750 for a single-family home is a jumbo (non-conforming) loan in Los Alamos County in 2026.
What are the HUD income limits in Los Alamos County?
For a family of four (FY2026): low income $106,800, very low income $85,450, extremely low income $51,250; area median family income $182,500.
What is the fair market rent in Los Alamos County?
$1,874 a month for a two-bedroom unit in FY2027 (HUD), $1,433 for one bedroom.