Massachusetts loan limits 2026
7 of 14 counties in Massachusetts are high-cost areas with a conforming limit above the $832,750 baseline — the highest is $1,249,125 in 2 counties, including Nantucket County, Dukes County. Click a county for FHA limits, income limits and rents.
Conforming loan limit by county
All counties
| Dukes County | $1,249,125 | +3.3% | $1,249,125 | $1,520,000 | $2,010 |
| Nantucket County | $1,249,125 | +3.3% | $1,249,125 | $2,375,000 | $3,583 |
| Essex County | $962,550 | +5.3% | $962,550 | $837,000 | $3,008 |
| Middlesex County | $962,550 | +5.3% | $962,550 | $837,000 | $3,008 |
| Norfolk County | $962,550 | +5.3% | $962,550 | $837,000 | $3,008 |
| Plymouth County | $962,550 | +5.3% | $962,550 | $837,000 | $2,409 |
| Suffolk County | $962,550 | +5.3% | $962,550 | $837,000 | $3,008 |
| Barnstable County | $832,750 | +3.3% | $828,000 | $720,000 | $2,488 |
| Berkshire County | $832,750 | +3.3% | $541,287 | $328,000 | $1,704 |
| Bristol County | $832,750 | +3.3% | $787,750 | $685,000 | $1,668 |
| Franklin County | $832,750 | +3.3% | $541,287 | $335,000 | $1,882 |
| Hampden County | $832,750 | +3.3% | $541,287 | $325,000 | $1,800 |
| Hampshire County | $832,750 | +3.3% | $541,287 | $418,000 | $2,034 |
| Worcester County | $832,750 | +3.3% | $545,100 | $474,000 | $2,043 |
Click a column to sort. 2-BR rent = HUD fair market rent FY2027.
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 Massachusetts for 2026?
$832,750 in most counties; 7 high-cost counties have higher limits, up to $1,249,125 in Dukes County.
What is the FHA loan limit in Massachusetts?
From $541,287 to $1,249,125 for a single-family home in 2026, depending on the county.