Franklin County, Vermont loan limits 2026
FIPS 50011 · 18 ZIP codes, e.g. 05441, 05447, 05448, 05450, 05454, 05455 · metro area (CBSA) 15540
In Franklin County 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 Franklin 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 | $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. Franklin County is in metro area CBSA 15540; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $123,400 · Burlington-South Burlington, VT MSA
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $69,850 | $79,800 | $89,800 | $99,750 | $107,750 | $115,750 | $123,700 | $131,700 |
| Very low income (50%) | $43,650 | $49,900 | $56,150 | $62,350 | $67,350 | $72,350 | $77,350 | $82,350 |
| Extremely low income (30%) | $26,200 | $29,950 | $33,700 | $37,400 | $40,400 | $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 | $1,550/mo | $1,497 | +3.5% |
| 1 bedroom | $1,719/mo | $1,651 | +4.1% |
| 2 bedrooms | $2,165/mo | $2,140 | +1.2% |
| 3 bedrooms | $2,733/mo | $2,745 | -0.4% |
| 4 bedrooms | $2,845/mo | $2,833 | +0.4% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Burlington-South Burlington, VT MSA.
Same metro area
Counties in CBSA 15540 share the same loan limits.
Other counties in Vermont
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 Franklin County, VT 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 Franklin County?
$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 Franklin County?
A mortgage above $832,750 for a single-family home is a jumbo (non-conforming) loan in Franklin County in 2026.
What are the HUD income limits in Franklin County?
For a family of four (FY2026): low income $99,750, very low income $62,350, extremely low income $37,400; area median family income $123,400.
What is the fair market rent in Franklin County?
$2,165 a month for a two-bedroom unit in FY2027 (HUD), $1,719 for one bedroom.