Loan Limits by County

2026 limits · all 3,235 counties

Conforming loan limits by county, 2026

The largest loan Fannie Mae or Freddie Mac can buy in your county, for a house, duplex, triplex or fourplex.

Show me

Loading every county…

  • $832,750 baseline, most counties
  • $1,249,125 high-cost ceiling
  • 123 counties above the baseline

Los Angeles County, California

$1,249,125

one-unit conforming limit, 2026

High-cost ceiling +$39,375 (+3.3%) vs 2025

FHA: between $541,287 and $1,249,125; exact county figure on HUD's lookup

$500K$1M$1.5M$2M$1,249,125ceiling $1,249,1251 unit · housebaseline $832,750$1,599,375ceiling $1,599,3752 units · duplexbaseline $1,066,250$1,933,200ceiling $1,933,2003 units · triplexbaseline $1,288,800$2,402,625ceiling $2,402,6254 units · fourplexbaseline $1,601,750$500K$1M$1.5M$2M1 unit$1,249,1252 units$1,599,3753 units$1,933,2004 units$2,402,625

2026 limit hereceiling (150% of baseline)baseline

View as a table
Units2026 limit2025 limitChangeBaselineCeiling
1 unit$1,249,125$1,209,750+$39,375 (+3.3%)$832,750$1,249,125
2 units$1,599,375$1,548,975+$50,400 (+3.3%)$1,066,250$1,599,375
3 units$1,933,200$1,872,225+$60,975 (+3.3%)$1,288,800$1,933,200
4 units$2,402,625$2,326,875+$75,750 (+3.3%)$1,601,750$2,402,625

Major counties

See all 123 high-cost counties →
  1. Los Angeles CountyCaliforniaCeiling$1,249,125
  2. San Diego CountyCaliforniaHigh-cost$1,104,000
  3. Orange CountyCaliforniaCeiling$1,249,125
  4. King CountyWashingtonHigh-cost$1,063,750
  5. Kings County (Brooklyn)New YorkHigh-cost$1,209,750
  6. New York County (Manhattan)New YorkHigh-cost$1,209,750
  7. District of Columbia (Washington, DC)District of ColumbiaCeiling$1,249,125
  8. Maricopa CountyArizonaBaseline$832,750
  9. Cook CountyIllinoisBaseline$832,750
  10. Miami-Dade CountyFloridaBaseline$832,750
  11. Harris CountyTexasBaseline$832,750
  12. Denver CountyColoradoHigh-cost$862,500

Guides

FHA 2026FHA loan limits HUD's floor and ceiling for 1 to 4 units, and where to find your county's exact figure. $541,287 – $1,249,125 FHA limits → Which loan?Conforming vs FHA vs jumbo Three limits, one county. Above the conforming limit is jumbo territory. FHAConformingJumbo Compare → Duplex to fourplex2, 3 and 4 unit limits Each extra unit raises the limit. The 2026 baseline for a fourplex is $1,601,750. 1234 Unit limits →

Browse by state

All states in one table →
Northeast9 states · 35 high-cost counties
Midwest12 states · 0 high-cost counties
South17 states · 40 high-cost counties
West13 states · 48 high-cost counties
Territories5 areas · 0 high-cost counties

Where the numbers come from

  1. FHFA's county fileThe Federal Housing Finance Agency publishes every county's 2026 limit for 1 to 4 units. We load its 3,235-row file as published.
  2. Compared with 2025The 2025 file gives the change for each county. FHFA does not lower a county's limit from one year to the next.
  3. HUD for FHAHUD publishes FHA floors, ceilings and county figures. We show its national range and link its lookup.

Sources and method →