FHA loan limits 2026

HUD sets FHA mortgage limits by county. For 2026 the floor for a single-family home is $541,287 and the high-cost ceiling is $1,249,125. In between, the limit is 115% of the county's median sale price.

Highest FHA limits

1	Kalawao County, HI	$1,299,500
2	Maui County, HI	$1,299,500
3	District of Columbia, DC	$1,249,125
4	Teton County, ID	$1,249,125
5	Charles County, MD	$1,249,125
6	Frederick County, MD	$1,249,125
7	Montgomery County, MD	$1,249,125
8	Prince George'S County, MD	$1,249,125
9	Dukes County, MA	$1,249,125
10	Nantucket County, MA	$1,249,125
11	Bergen County, NJ	$1,249,125
12	Essex County, NJ	$1,249,125
13	Hudson County, NJ	$1,249,125
14	Hunterdon County, NJ	$1,249,125
15	Middlesex County, NJ	$1,249,125
16	Monmouth County, NJ	$1,249,125
17	Morris County, NJ	$1,249,125
18	Ocean County, NJ	$1,249,125
19	Passaic County, NJ	$1,249,125
20	Somerset County, NJ	$1,249,125
21	Sussex County, NJ	$1,249,125
22	Union County, NJ	$1,249,125
23	Bronx County, NY	$1,249,125
24	Kings County, NY	$1,249,125
25	Nassau County, NY	$1,249,125

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 FHA loan limit for 2026?

From $541,287 (floor) to $1,249,125 (ceiling) for a single-family home, depending on the county.

How is the FHA limit calculated?

115% of the county's median house sale price, but not below the floor (65% of the conforming baseline) or above the ceiling (150%).