Limits for 2026 · updated 2026-10-29
Michigan loan limits 2026
All 83 counties in Michigan use the national baseline conforming limit of $832,750. Click a county for FHA limits, income limits and rents.
Conforming loan limit by county
Baseline ($832,750) 83
All counties
| Alcona County | $832,750 | +3.3% | $541,287 | $140,000 | $1,014 |
| Alger County | $832,750 | +3.3% | $541,287 | $155,000 | $1,064 |
| Allegan County | $832,750 | +3.3% | $541,287 | $270,000 | $1,296 |
| Alpena County | $832,750 | +3.3% | $541,287 | $147,000 | $1,014 |
| Antrim County | $832,750 | +3.3% | $541,287 | $177,000 | $1,159 |
| Arenac County | $832,750 | +3.3% | $541,287 | $128,000 | $1,014 |
| Baraga County | $832,750 | +3.3% | $541,287 | $122,000 | $1,014 |
| Barry County | $832,750 | +3.3% | $541,287 | $365,000 | $1,362 |
| Bay County | $832,750 | +3.3% | $541,287 | $140,000 | $1,055 |
| Benzie County | $832,750 | +3.3% | $541,287 | $435,000 | $1,234 |
| Berrien County | $832,750 | +3.3% | $541,287 | $205,000 | $1,152 |
| Branch County | $832,750 | +3.3% | $541,287 | $175,000 | $1,093 |
| Calhoun County | $832,750 | +3.3% | $541,287 | $165,000 | $1,233 |
| Cass County | $832,750 | +3.3% | $541,287 | $195,000 | $1,095 |
| Charlevoix County | $832,750 | +3.3% | $541,287 | $398,000 | $1,119 |
| Cheboygan County | $832,750 | +3.3% | $541,287 | $320,000 | $1,104 |
| Chippewa County | $832,750 | +3.3% | $541,287 | $125,000 | $1,042 |
| Clare County | $832,750 | +3.3% | $541,287 | $106,000 | $1,042 |
| Clinton County | $832,750 | +3.3% | $541,287 | $270,000 | $1,323 |
| Crawford County | $832,750 | +3.3% | $541,287 | $150,000 | $1,097 |
| Delta County | $832,750 | +3.3% | $541,287 | $133,000 | $1,014 |
| Dickinson County | $832,750 | +3.3% | $541,287 | $140,000 | $1,014 |
| Eaton County | $832,750 | +3.3% | $541,287 | $270,000 | $1,323 |
| Emmet County | $832,750 | +3.3% | $541,287 | $275,000 | $1,336 |
| Genesee County | $832,750 | +3.3% | $541,287 | $175,000 | $1,133 |
| Gladwin County | $832,750 | +3.3% | $541,287 | $150,000 | $1,014 |
| Gogebic County | $832,750 | +3.3% | $541,287 | $140,000 | $1,014 |
| Grand Traverse County | $832,750 | +3.3% | $541,287 | $435,000 | $1,436 |
| Gratiot County | $832,750 | +3.3% | $541,287 | $140,000 | $1,018 |
| Hillsdale County | $832,750 | +3.3% | $541,287 | $160,000 | $1,022 |
| Houghton County | $832,750 | +3.3% | $541,287 | $148,000 | $1,033 |
| Huron County | $832,750 | +3.3% | $541,287 | $193,000 | $1,014 |
| Ingham County | $832,750 | +3.3% | $541,287 | $270,000 | $1,323 |
| Ionia County | $832,750 | +3.3% | $541,287 | $365,000 | $1,238 |
| Iosco County | $832,750 | +3.3% | $541,287 | $145,000 | $1,014 |
| Iron County | $832,750 | +3.3% | $541,287 | $90,000 | $1,132 |
| Isabella County | $832,750 | +3.3% | $541,287 | $186,000 | $1,059 |
| Jackson County | $832,750 | +3.3% | $541,287 | $185,000 | $1,201 |
| Kalamazoo County | $832,750 | +3.3% | $541,287 | $240,000 | $1,158 |
| Kalkaska County | $832,750 | +3.3% | $541,287 | $435,000 | $1,014 |
| Kent County | $832,750 | +3.3% | $541,287 | $365,000 | $1,630 |
| Keweenaw County | $832,750 | +3.3% | $541,287 | $148,000 | $1,014 |
| Lake County | $832,750 | +3.3% | $541,287 | $86,000 | $1,069 |
| Lapeer County | $832,750 | +3.3% | $541,287 | $362,000 | $1,459 |
| Leelanau County | $832,750 | +3.3% | $541,287 | $435,000 | $1,500 |
| Lenawee County | $832,750 | +3.3% | $541,287 | $200,000 | $1,195 |
| Livingston County | $832,750 | +3.3% | $541,287 | $362,000 | $1,477 |
| Luce County | $832,750 | +3.3% | $541,287 | $99,000 | $1,014 |
| Mackinac County | $832,750 | +3.3% | $541,287 | $230,000 | $1,057 |
| Macomb County | $832,750 | +3.3% | $541,287 | $362,000 | $1,459 |
| Manistee County | $832,750 | +3.3% | $541,287 | $180,000 | $1,067 |
| Marquette County | $832,750 | +3.3% | $541,287 | $210,000 | $1,199 |
| Mason County | $832,750 | +3.3% | $541,287 | $190,000 | $1,085 |
| Mecosta County | $832,750 | +3.3% | $541,287 | $189,000 | $1,063 |
| Menominee County | $832,750 | +3.3% | $541,287 | $130,000 | $1,014 |
| Midland County | $832,750 | +3.3% | $541,287 | $200,000 | $1,205 |
| Missaukee County | $832,750 | +3.3% | $541,287 | $171,000 | $1,014 |
| Monroe County | $832,750 | +3.3% | $541,287 | $230,000 | $1,304 |
| Montcalm County | $832,750 | +3.3% | $541,287 | $365,000 | $1,181 |
| Montmorency County | $832,750 | +3.3% | $541,287 | $123,000 | $1,014 |
| Muskegon County | $832,750 | +3.3% | $541,287 | $200,000 | $1,285 |
| Newaygo County | $832,750 | +3.3% | $541,287 | $178,000 | $1,028 |
| Oakland County | $832,750 | +3.3% | $541,287 | $362,000 | $1,459 |
| Oceana County | $832,750 | +3.3% | $541,287 | $161,000 | $1,014 |
| Ogemaw County | $832,750 | +3.3% | $541,287 | $145,000 | $1,033 |
| Ontonagon County | $832,750 | +3.3% | $541,287 | $78,000 | $1,014 |
| Osceola County | $832,750 | +3.3% | $541,287 | $236,000 | $1,048 |
| Oscoda County | $832,750 | +3.3% | $541,287 | $102,000 | $1,014 |
| Otsego County | $832,750 | +3.3% | $541,287 | $304,000 | $1,192 |
| Ottawa County | $832,750 | +3.3% | $541,287 | $365,000 | $1,546 |
| Presque Isle County | $832,750 | +3.3% | $541,287 | $122,000 | $1,014 |
| Roscommon County | $832,750 | +3.3% | $541,287 | $168,000 | $1,014 |
| Saginaw County | $832,750 | +3.3% | $541,287 | $155,000 | $1,141 |
| Sanilac County | $832,750 | +3.3% | $541,287 | $160,000 | $1,014 |
| Schoolcraft County | $832,750 | +3.3% | $541,287 | $173,000 | $1,014 |
| Shiawassee County | $832,750 | +3.3% | $541,287 | $168,000 | $1,085 |
| St. Clair County | $832,750 | +3.3% | $541,287 | $362,000 | $1,459 |
| St. Joseph County | $832,750 | +3.3% | $541,287 | $178,000 | $1,046 |
| Tuscola County | $832,750 | +3.3% | $541,287 | $151,000 | $1,014 |
| Van Buren County | $832,750 | +3.3% | $541,287 | $200,000 | $1,040 |
| Washtenaw County | $832,750 | +3.3% | $541,287 | $385,000 | $1,804 |
| Wayne County | $832,750 | +3.3% | $541,287 | $362,000 | $1,459 |
| Wexford County | $832,750 | +3.3% | $541,287 | $171,000 | $1,149 |
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 Michigan for 2026?
$832,750 for a single-family home in every county of Michigan.
What is the FHA loan limit in Michigan?
From $541,287 to $541,287 for a single-family home in 2026, depending on the county.