Calendar year 2026
2026 conforming and FHA loan limits
The largest loan Fannie Mae and Freddie Mac can buy (conforming limit, set by FHFA) and the largest loan FHA can insure (set by HUD), for every county.
Conforming baseline
$832,750
1 unit · was $806,500 in 2025
Conforming high-cost ceiling
$1,249,125
156 counties above baseline
FHA floor
$541,287
1 unit · was $524,225 in 2025
FHA ceiling
$1,249,125
398 counties above the floor
Alaska and Hawaii have higher statutory limits. Limits for 2027 are normally announced by FHFA and HUD in late November 2026; this page will be updated when they are published.
Choose a state
| State | Conforming, 1 unit | FHA, 1 unit |
|---|---|---|
| Alabama | $832,750 | $541,287 |
| Alaska | $1,249,125 | $541,287 – $596,850 |
| Arizona | $832,750 | $541,287 – $609,500 |
| Arkansas | $832,750 | $541,287 |
| California | $832,750 – $1,249,125 | $541,287 – $1,249,125 |
| Colorado | $832,750 – $1,249,125 | $541,287 – $1,249,125 |
| Connecticut | $832,750 – $977,500 | $541,287 – $977,500 |
| Delaware | $832,750 | $541,287 – $630,200 |
| District of Columbia | $1,249,125 | $1,249,125 |
| Florida | $832,750 – $990,150 | $541,287 – $990,150 |
| Georgia | $832,750 | $541,287 – $718,750 |
| Hawaii | $1,249,125 – $1,299,500 | $586,500 – $1,299,500 |
| Idaho | $832,750 – $1,249,125 | $541,287 – $1,249,125 |
| Illinois | $832,750 | $541,287 |
| Indiana | $832,750 | $541,287 |
| Iowa | $832,750 | $541,287 |
| Kansas | $832,750 | $541,287 |
| Kentucky | $832,750 | $541,287 |
| Louisiana | $832,750 | $541,287 |
| Maine | $832,750 | $541,287 – $615,250 |
| Maryland | $832,750 – $1,249,125 | $541,287 – $1,249,125 |
| Massachusetts | $832,750 – $1,249,125 | $541,287 – $1,249,125 |
| Michigan | $832,750 | $541,287 |
| Minnesota | $832,750 | $541,287 – $552,000 |
| Mississippi | $832,750 | $541,287 |
| Missouri | $832,750 | $541,287 |
| Montana | $832,750 | $541,287 – $754,400 |
| Nebraska | $832,750 | $541,287 – $603,750 |
| Nevada | $832,750 | $541,287 – $736,000 |
| New Hampshire | $832,750 – $962,550 | $541,287 – $962,550 |
| New Jersey | $832,750 – $1,209,750 | $541,287 – $1,249,125 |
| New Mexico | $832,750 | $541,287 – $692,300 |
| New York | $832,750 – $1,209,750 | $541,287 – $1,249,125 |
| North Carolina | $832,750 | $541,287 – $805,000 |
| North Dakota | $832,750 | $541,287 |
| Ohio | $832,750 | $541,287 – $591,100 |
| Oklahoma | $832,750 | $541,287 |
| Oregon | $832,750 | $541,287 – $762,450 |
| Pennsylvania | $832,750 – $1,209,750 | $541,287 – $630,200 |
| Rhode Island | $832,750 | $787,750 |
| South Carolina | $832,750 | $541,287 – $690,000 |
| South Dakota | $832,750 | $541,287 – $541,650 |
| Tennessee | $832,750 – $1,029,250 | $541,287 – $1,029,250 |
| Texas | $832,750 | $541,287 – $813,050 |
| Utah | $832,750 – $1,150,000 | $541,287 – $1,163,800 |
| Vermont | $832,750 | $541,287 – $575,000 |
| Virginia | $832,750 – $1,249,125 | $541,287 – $1,249,125 |
| Washington | $832,750 – $1,063,750 | $541,287 – $1,063,750 |
| West Virginia | $832,750 – $1,249,125 | $541,287 – $1,249,125 |
| Wisconsin | $832,750 | $541,287 – $552,000 |
| Wyoming | $832,750 – $1,249,125 | $541,287 – $1,249,125 |
Highest FHA loan limits
| County | FHA 1 unit | Conforming 1 unit | FHA 4 units |
|---|---|---|---|
| Kalawao County, HI | $1,299,500 | $1,299,500 | $2,499,100 |
| Maui County, HI | $1,299,500 | $1,299,500 | $2,499,100 |
| Alameda County, CA | $1,249,125 | $1,249,125 | $2,402,625 |
| Contra Costa County, CA | $1,249,125 | $1,249,125 | $2,402,625 |
| Los Angeles County, CA | $1,249,125 | $1,249,125 | $2,402,625 |
| Marin County, CA | $1,249,125 | $1,249,125 | $2,402,625 |
| Orange County, CA | $1,249,125 | $1,249,125 | $2,402,625 |
| San Benito County, CA | $1,249,125 | $1,249,125 | $2,402,625 |
| San Francisco County, CA | $1,249,125 | $1,249,125 | $2,402,625 |
| San Mateo County, CA | $1,249,125 | $1,249,125 | $2,402,625 |
| Santa Clara County, CA | $1,249,125 | $1,249,125 | $2,402,625 |
| Santa Cruz County, CA | $1,249,125 | $1,249,125 | $2,402,625 |
| Eagle County, CO | $1,249,125 | $1,249,125 | $2,402,625 |
| Garfield County, CO | $1,249,125 | $1,209,750 | $2,402,625 |
| Pitkin County, CO | $1,249,125 | $1,209,750 | $2,402,625 |
| District of Columbia, DC | $1,249,125 | $1,249,125 | $2,402,625 |
| Teton County, ID | $1,249,125 | $1,249,125 | $2,402,625 |
| Charles County, MD | $1,249,125 | $1,249,125 | $2,402,625 |
| Frederick County, MD | $1,249,125 | $1,249,125 | $2,402,625 |
| Montgomery County, MD | $1,249,125 | $1,249,125 | $2,402,625 |
| Prince George's County, MD | $1,249,125 | $1,249,125 | $2,402,625 |
| Dukes County, MA | $1,249,125 | $1,249,125 | $2,402,625 |
| Nantucket County, MA | $1,249,125 | $1,249,125 | $2,402,625 |
| Bergen County, NJ | $1,249,125 | $1,209,750 | $2,402,625 |
| Essex County, NJ | $1,249,125 | $1,209,750 | $2,402,625 |
| Hudson County, NJ | $1,249,125 | $1,209,750 | $2,402,625 |
| Hunterdon County, NJ | $1,249,125 | $1,209,750 | $2,402,625 |
| Middlesex County, NJ | $1,249,125 | $1,209,750 | $2,402,625 |
| Monmouth County, NJ | $1,249,125 | $1,209,750 | $2,402,625 |
| Morris County, NJ | $1,249,125 | $1,209,750 | $2,402,625 |
| Ocean County, NJ | $1,249,125 | $1,209,750 | $2,402,625 |
| Passaic County, NJ | $1,249,125 | $1,209,750 | $2,402,625 |
| Somerset County, NJ | $1,249,125 | $1,209,750 | $2,402,625 |
| Sussex County, NJ | $1,249,125 | $1,209,750 | $2,402,625 |
| Union County, NJ | $1,249,125 | $1,209,750 | $2,402,625 |
| Bronx County, NY | $1,249,125 | $1,209,750 | $2,402,625 |
| Kings County, NY | $1,249,125 | $1,209,750 | $2,402,625 |
| Nassau County, NY | $1,249,125 | $1,209,750 | $2,402,625 |
| New York County, NY | $1,249,125 | $1,209,750 | $2,402,625 |
| Putnam County, NY | $1,249,125 | $1,209,750 | $2,402,625 |
How the limits work
The conforming limit follows the change in average U.S. home prices under the Housing and Economic Recovery Act of 2008. In high-cost areas it rises to 115% of the local median home value, up to a ceiling of 150% of the baseline. FHA's limit is 115% of the local median price, between a floor of 65% and the same ceiling as the conforming limit.
A loan above the conforming limit is a jumbo loan, typically with stricter credit and down-payment requirements. VA loans have no limit for borrowers with full entitlement. See conforming loan limits explained and FHA loan limits explained.
Sources: FHFA Conforming Loan Limit Values for 2026 (full county list); HUD FHA forward-mortgage limits for 2026 (CHUMS data files). All sources