Limits for 2026 · updated 2026-10-29
New Mexico loan limits 2026
All 33 counties in New Mexico 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) 33
All counties
| Bernalillo County | $832,750 | +3.3% | $541,287 | $366,000 | $1,384 |
| Catron County | $832,750 | +3.3% | $541,287 | $231,000 | $1,059 |
| Chaves County | $832,750 | +3.3% | $541,287 | $211,000 | $1,091 |
| Cibola County | $832,750 | +3.3% | $541,287 | $182,000 | $1,022 |
| Colfax County | $832,750 | +3.3% | $541,287 | $248,000 | $1,014 |
| Curry County | $832,750 | +3.3% | $541,287 | $222,000 | $1,151 |
| De Baca County | $832,750 | +3.3% | $541,287 | $132,000 | $1,014 |
| Dona Ana County | $832,750 | +3.3% | $541,287 | $305,000 | $1,073 |
| Eddy County | $832,750 | +3.3% | $541,287 | $288,000 | $1,252 |
| Grant County | $832,750 | +3.3% | $541,287 | $199,000 | $1,070 |
| Guadalupe County | $832,750 | +3.3% | $541,287 | $214,000 | $1,014 |
| Harding County | $832,750 | +3.3% | $541,287 | $375,000 | $1,059 |
| Hidalgo County | $832,750 | +3.3% | $541,287 | $147,000 | $1,014 |
| Lea County | $832,750 | +3.3% | $541,287 | $90,000 | $1,327 |
| Lincoln County | $832,750 | +3.3% | $541,287 | $343,000 | $1,063 |
| Los Alamos County | $832,750 | +3.3% | $692,300 | $600,000 | $1,874 |
| Luna County | $832,750 | +3.3% | $541,287 | $188,000 | $1,014 |
| McKinley County | $832,750 | +3.3% | $541,287 | $108,000 | $1,140 |
| Mora County | $832,750 | +3.3% | $541,287 | $267,000 | $1,014 |
| Otero County | $832,750 | +3.3% | $541,287 | $238,000 | $1,014 |
| Quay County | $832,750 | +3.3% | $541,287 | $127,000 | $1,019 |
| Rio Arriba County | $832,750 | +3.3% | $541,287 | $345,000 | $1,014 |
| Roosevelt County | $832,750 | +3.3% | $541,287 | $222,000 | $1,014 |
| San Juan County | $832,750 | +3.3% | $541,287 | $294,000 | $1,116 |
| San Miguel County | $832,750 | +3.3% | $541,287 | $267,000 | $1,077 |
| Sandoval County | $832,750 | +3.3% | $541,287 | $366,000 | $1,384 |
| Santa Fe County | $832,750 | +3.3% | $569,250 | $495,000 | $1,735 |
| Sierra County | $832,750 | +3.3% | $541,287 | $193,000 | $1,014 |
| Socorro County | $832,750 | +3.3% | $541,287 | $215,000 | $1,014 |
| Taos County | $832,750 | +3.3% | $541,287 | $419,000 | $1,292 |
| Torrance County | $832,750 | +3.3% | $541,287 | $366,000 | $1,384 |
| Union County | $832,750 | +3.3% | $541,287 | $175,000 | $1,014 |
| Valencia County | $832,750 | +3.3% | $541,287 | $366,000 | $1,384 |
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 New Mexico for 2026?
$832,750 for a single-family home in every county of New Mexico.
What is the FHA loan limit in New Mexico?
From $541,287 to $692,300 for a single-family home in 2026, depending on the county.