Loan Limits by County

United States · 2026

2026 conforming loan limits

$832,750

baseline one-unit conforming loan limit, 2026, in most U.S. counties

+$26,250 (+3.25%) vs 2025 Ceiling in high-cost areas: $1,249,125.

Set by FHFA for loans Fannie Mae and Freddie Mac can buy; effective January 1, 2026. Informational only.

High-cost ceiling$1,249,125150% of the baseline
Above baseline123of 3,235 counties
At the ceiling38counties
4-unit baseline$1,601,750ceiling $2,402,625

Baseline and ceiling, 1 to 4 units

UnitsBaseline 2026Baseline 2025ChangeCeiling 2026AK, HI, GU, VI baseline
1 unit$832,750$806,500+$26,250$1,249,125$1,249,125
2 units$1,066,250$1,032,650+$33,600$1,599,375$1,599,375
3 units$1,288,800$1,248,150+$40,650$1,933,200$1,933,200
4 units$1,601,750$1,551,250+$50,500$2,402,625$2,402,625

Alaska, Hawaii, Guam and the U.S. Virgin Islands have a statutory baseline 50% higher; Maui and Kalawao counties in Hawaii are set at $1,299,500.

The high-cost counties, by limit

Each dot is one of the 121 counties outside the special areas with a one-unit limit above $832,750. The table below lists them all.

$900K$1M$1.1M$1.2MGrand County, UT: $839,500Naugatuck Valley Planning Region, CT: $851,000Adams County, CO: $862,500Arapahoe County, CO: $862,500Broomfield County, CO: $862,500Clear Creek County, CO: $862,500Denver County, CO: $862,500Douglas County, CO: $862,500Elbert County, CO: $862,500Gilpin County, CO: $862,500Jefferson County, CO: $862,500Park County, CO: $862,500Boulder County, CO: $879,750Grand County, CO: $883,200Sonoma County, CA: $897,000Santa Barbara County, CA: $941,850Essex County, MA: $962,550Middlesex County, MA: $962,550Norfolk County, MA: $962,550Plymouth County, MA: $962,550Suffolk County, MA: $962,550Rockingham County, NH: $962,550Strafford County, NH: $962,550Greater Bridgeport Planning Region, CT: $977,500Western Connecticut Planning Region, CT: $977,500Monroe County, FL: $990,150Monterey County, CA: $994,750San Miguel County, CO: $994,750Wayne County, UT: $997,050San Luis Obispo County, CA: $1,000,500Napa County, CA: $1,017,750Cannon County, TN: $1,029,250Cheatham County, TN: $1,029,250Davidson County, TN: $1,029,250Dickson County, TN: $1,029,250Hickman County, TN: $1,029,250Macon County, TN: $1,029,250Maury County, TN: $1,029,250Robertson County, TN: $1,029,250Rutherford County, TN: $1,029,250Smith County, TN: $1,029,250Sumner County, TN: $1,029,250Trousdale County, TN: $1,029,250Williamson County, TN: $1,029,250Wilson County, TN: $1,029,250Ventura County, CA: $1,035,000King County, WA: $1,063,750Pierce County, WA: $1,063,750Snohomish County, WA: $1,063,750Moffat County, CO: $1,089,050Routt County, CO: $1,089,050Lake County, CO: $1,092,500Summit County, CO: $1,092,500San Diego County, CA: $1,104,000Summit County, UT: $1,150,000Wasatch County, UT: $1,150,000Garfield County, CO: $1,209,750Pitkin County, CO: $1,209,750Calvert County, MD: $1,209,750Bergen County, NJ: $1,209,750Essex County, NJ: $1,209,750Hudson County, NJ: $1,209,750Hunterdon County, NJ: $1,209,750Middlesex County, NJ: $1,209,750Monmouth County, NJ: $1,209,750Morris County, NJ: $1,209,750Ocean County, NJ: $1,209,750Passaic County, NJ: $1,209,750Somerset County, NJ: $1,209,750Sussex County, NJ: $1,209,750Union County, NJ: $1,209,750Bronx County, NY: $1,209,750Kings County, NY: $1,209,750Nassau County, NY: $1,209,750New York County, NY: $1,209,750Putnam County, NY: $1,209,750Queens County, NY: $1,209,750Richmond County, NY: $1,209,750Rockland County, NY: $1,209,750Suffolk County, NY: $1,209,750Westchester County, NY: $1,209,750Pike County, PA: $1,209,750Madison County, VA: $1,209,750Alameda County, CA: $1,249,125Contra Costa County, CA: $1,249,125Los Angeles County, CA: $1,249,125Marin County, CA: $1,249,125Orange County, CA: $1,249,125San Benito County, CA: $1,249,125San Francisco County, CA: $1,249,125San Mateo County, CA: $1,249,125Santa Clara County, CA: $1,249,125Santa Cruz County, CA: $1,249,125Eagle County, CO: $1,249,125District of Columbia, DC: $1,249,125Teton County, ID: $1,249,125Charles County, MD: $1,249,125Frederick County, MD: $1,249,125Montgomery County, MD: $1,249,125Prince George's County, MD: $1,249,125Dukes County, MA: $1,249,125Nantucket County, MA: $1,249,125Alexandria City, VA: $1,249,125Arlington County, VA: $1,249,125Clarke County, VA: $1,249,125Culpeper County, VA: $1,249,125Fairfax City, VA: $1,249,125Fairfax County, VA: $1,249,125Falls Church City, VA: $1,249,125Fauquier County, VA: $1,249,125Fredericksburg City, VA: $1,249,125Loudoun County, VA: $1,249,125Manassas City, VA: $1,249,125Manassas Park City, VA: $1,249,125Prince William County, VA: $1,249,125Rappahannock County, VA: $1,249,125Spotsylvania County, VA: $1,249,125Stafford County, VA: $1,249,125Warren County, VA: $1,249,125Jefferson County, WV: $1,249,125Teton County, WY: $1,249,125ceiling $1,249,125

Source: FHFA 2026 county loan limit file.

Every county above the baseline

Kalawao CountyHI$1,299,500$2,499,100+$89,750 (+7.4%)
Maui CountyHI$1,299,500$2,499,100+$89,750 (+7.4%)
Alameda CountyCA$1,249,125$2,402,625+$39,375 (+3.3%)
Contra Costa CountyCA$1,249,125$2,402,625+$39,375 (+3.3%)
Los Angeles CountyCA$1,249,125$2,402,625+$39,375 (+3.3%)
Marin CountyCA$1,249,125$2,402,625+$39,375 (+3.3%)
Orange CountyCA$1,249,125$2,402,625+$39,375 (+3.3%)
San Benito CountyCA$1,249,125$2,402,625+$39,375 (+3.3%)
San Francisco CountyCA$1,249,125$2,402,625+$39,375 (+3.3%)
San Mateo CountyCA$1,249,125$2,402,625+$39,375 (+3.3%)
Santa Clara CountyCA$1,249,125$2,402,625+$39,375 (+3.3%)
Santa Cruz CountyCA$1,249,125$2,402,625+$70,375 (+6.0%)
Eagle CountyCO$1,249,125$2,402,625+$39,375 (+3.3%)
District of ColumbiaDC$1,249,125$2,402,625+$39,375 (+3.3%)
Teton CountyID$1,249,125$2,402,625+$39,375 (+3.3%)
Charles CountyMD$1,249,125$2,402,625+$39,375 (+3.3%)
Frederick CountyMD$1,249,125$2,402,625+$39,375 (+3.3%)
Montgomery CountyMD$1,249,125$2,402,625+$39,375 (+3.3%)
Prince George's CountyMD$1,249,125$2,402,625+$39,375 (+3.3%)
Dukes CountyMA$1,249,125$2,402,625+$39,375 (+3.3%)
Nantucket CountyMA$1,249,125$2,402,625+$39,375 (+3.3%)
Alexandria CityVA$1,249,125$2,402,625+$39,375 (+3.3%)
Arlington CountyVA$1,249,125$2,402,625+$39,375 (+3.3%)
Clarke CountyVA$1,249,125$2,402,625+$39,375 (+3.3%)
Culpeper CountyVA$1,249,125$2,402,625+$39,375 (+3.3%)
Fairfax CityVA$1,249,125$2,402,625+$39,375 (+3.3%)
Fairfax CountyVA$1,249,125$2,402,625+$39,375 (+3.3%)
Falls Church CityVA$1,249,125$2,402,625+$39,375 (+3.3%)
Fauquier CountyVA$1,249,125$2,402,625+$39,375 (+3.3%)
Fredericksburg CityVA$1,249,125$2,402,625+$39,375 (+3.3%)
Loudoun CountyVA$1,249,125$2,402,625+$39,375 (+3.3%)
Manassas CityVA$1,249,125$2,402,625+$39,375 (+3.3%)
Manassas Park CityVA$1,249,125$2,402,625+$39,375 (+3.3%)
Prince William CountyVA$1,249,125$2,402,625+$39,375 (+3.3%)
Rappahannock CountyVA$1,249,125$2,402,625+$39,375 (+3.3%)
Spotsylvania CountyVA$1,249,125$2,402,625+$39,375 (+3.3%)
Stafford CountyVA$1,249,125$2,402,625+$39,375 (+3.3%)
Warren CountyVA$1,249,125$2,402,625+$39,375 (+3.3%)
Jefferson CountyWV$1,249,125$2,402,625+$39,375 (+3.3%)
Teton CountyWY$1,249,125$2,402,625+$39,375 (+3.3%)
Garfield CountyCO$1,209,750$2,326,875±$0
Pitkin CountyCO$1,209,750$2,326,875±$0
Calvert CountyMD$1,209,750$2,326,875±$0
Bergen CountyNJ$1,209,750$2,326,875±$0
Essex CountyNJ$1,209,750$2,326,875±$0
Hudson CountyNJ$1,209,750$2,326,875±$0
Hunterdon CountyNJ$1,209,750$2,326,875±$0
Middlesex CountyNJ$1,209,750$2,326,875±$0
Monmouth CountyNJ$1,209,750$2,326,875±$0
Morris CountyNJ$1,209,750$2,326,875±$0
Ocean CountyNJ$1,209,750$2,326,875±$0
Passaic CountyNJ$1,209,750$2,326,875±$0
Somerset CountyNJ$1,209,750$2,326,875±$0
Sussex CountyNJ$1,209,750$2,326,875±$0
Union CountyNJ$1,209,750$2,326,875±$0
Bronx CountyNY$1,209,750$2,326,875±$0
Kings CountyNY$1,209,750$2,326,875±$0
Nassau CountyNY$1,209,750$2,326,875±$0
New York CountyNY$1,209,750$2,326,875±$0
Putnam CountyNY$1,209,750$2,326,875±$0
Queens CountyNY$1,209,750$2,326,875±$0
Richmond CountyNY$1,209,750$2,326,875±$0
Rockland CountyNY$1,209,750$2,326,875±$0
Suffolk CountyNY$1,209,750$2,326,875±$0
Westchester CountyNY$1,209,750$2,326,875±$0
Pike CountyPA$1,209,750$2,326,875±$0
Madison CountyVA$1,209,750$2,326,875±$0
Summit CountyUT$1,150,000$2,211,600+$175 (+0.0%)
Wasatch CountyUT$1,150,000$2,211,600+$175 (+0.0%)
San Diego CountyCA$1,104,000$2,123,100+$26,450 (+2.5%)
Lake CountyCO$1,092,500$2,101,000+$286,000 (+35.5%)
Summit CountyCO$1,092,500$2,101,000+$25,300 (+2.4%)
Moffat CountyCO$1,089,050$2,094,350+$282,550 (+35.0%)
Routt CountyCO$1,089,050$2,094,350+$77,050 (+7.6%)
King CountyWA$1,063,750$2,045,700+$26,450 (+2.5%)
Pierce CountyWA$1,063,750$2,045,700+$26,450 (+2.5%)
Snohomish CountyWA$1,063,750$2,045,700+$26,450 (+2.5%)
Ventura CountyCA$1,035,000$1,990,450+$17,250 (+1.7%)
Cannon CountyTN$1,029,250$1,979,350+$40,250 (+4.1%)
Cheatham CountyTN$1,029,250$1,979,350+$40,250 (+4.1%)
Davidson CountyTN$1,029,250$1,979,350+$40,250 (+4.1%)
Dickson CountyTN$1,029,250$1,979,350+$40,250 (+4.1%)
Hickman CountyTN$1,029,250$1,979,350+$222,750 (+27.6%)
Macon CountyTN$1,029,250$1,979,350+$40,250 (+4.1%)
Maury CountyTN$1,029,250$1,979,350+$40,250 (+4.1%)
Robertson CountyTN$1,029,250$1,979,350+$40,250 (+4.1%)
Rutherford CountyTN$1,029,250$1,979,350+$40,250 (+4.1%)
Smith CountyTN$1,029,250$1,979,350+$40,250 (+4.1%)
Sumner CountyTN$1,029,250$1,979,350+$40,250 (+4.1%)
Trousdale CountyTN$1,029,250$1,979,350+$40,250 (+4.1%)
Williamson CountyTN$1,029,250$1,979,350+$40,250 (+4.1%)
Wilson CountyTN$1,029,250$1,979,350+$40,250 (+4.1%)
Napa CountyCA$1,017,750$1,957,250±$0
San Luis Obispo CountyCA$1,000,500$1,924,100+$33,350 (+3.4%)
Wayne CountyUT$997,050$1,917,450±$0
Monterey CountyCA$994,750$1,913,000+$24,150 (+2.5%)
San Miguel CountyCO$994,750$1,913,000±$0
Monroe CountyFL$990,150$1,904,150+$23,000 (+2.4%)
Greater Bridgeport Planning RegionCT$977,500$1,879,850new
Western Connecticut Planning RegionCT$977,500$1,879,850new
Essex CountyMA$962,550$1,851,100+$48,300 (+5.3%)
Middlesex CountyMA$962,550$1,851,100+$48,300 (+5.3%)
Norfolk CountyMA$962,550$1,851,100+$48,300 (+5.3%)
Plymouth CountyMA$962,550$1,851,100+$48,300 (+5.3%)
Suffolk CountyMA$962,550$1,851,100+$48,300 (+5.3%)
Rockingham CountyNH$962,550$1,851,100+$48,300 (+5.3%)
Strafford CountyNH$962,550$1,851,100+$48,300 (+5.3%)
Santa Barbara CountyCA$941,850$1,811,300+$28,750 (+3.1%)
Sonoma CountyCA$897,000$1,725,050±$0
Grand CountyCO$883,200$1,698,500+$9,200 (+1.1%)
Boulder CountyCO$879,750$1,691,850+$17,250 (+2.0%)
Adams CountyCO$862,500$1,658,700+$28,750 (+3.4%)
Arapahoe CountyCO$862,500$1,658,700+$28,750 (+3.4%)
Broomfield CountyCO$862,500$1,658,700+$28,750 (+3.4%)
Clear Creek CountyCO$862,500$1,658,700+$28,750 (+3.4%)
Denver CountyCO$862,500$1,658,700+$28,750 (+3.4%)
Douglas CountyCO$862,500$1,658,700+$28,750 (+3.4%)
Elbert CountyCO$862,500$1,658,700+$28,750 (+3.4%)
Gilpin CountyCO$862,500$1,658,700+$28,750 (+3.4%)
Jefferson CountyCO$862,500$1,658,700+$28,750 (+3.4%)
Park CountyCO$862,500$1,658,700+$28,750 (+3.4%)
Naugatuck Valley Planning RegionCT$851,000$1,636,550new
Grand CountyUT$839,500$1,614,450+$33,000 (+4.1%)

By state

Alabama670$832,750
Alaska300$1,249,125
Arizona150$832,750
Arkansas750$832,750
California5817$1,249,125
Colorado6420$1,249,125
Connecticut93$977,500
Delaware30$832,750
District of Columbia11$1,249,125
Florida671$990,150
Georgia1590$832,750
Hawaii52$1,299,500
Idaho441$1,249,125
Illinois1020$832,750
Indiana920$832,750
Iowa990$832,750
Kansas1050$832,750
Kentucky1200$832,750
Louisiana640$832,750
Maine160$832,750
Maryland245$1,249,125
Massachusetts147$1,249,125
Michigan830$832,750
Minnesota870$832,750
Mississippi820$832,750
Missouri1150$832,750
Montana560$832,750
Nebraska930$832,750
Nevada170$832,750
New Hampshire102$962,550
New Jersey2112$1,209,750
New Mexico330$832,750
New York6210$1,209,750
North Carolina1000$832,750
North Dakota530$832,750
Ohio880$832,750
Oklahoma770$832,750
Oregon360$832,750
Pennsylvania671$1,209,750
Rhode Island50$832,750
South Carolina460$832,750
South Dakota660$832,750
Tennessee9514$1,029,250
Texas2540$832,750
Utah294$1,150,000
Vermont140$832,750
Virginia13318$1,249,125
Washington393$1,063,750
West Virginia551$1,249,125
Wisconsin720$832,750
Wyoming231$1,249,125
American Samoa50$832,750
Guam10$1,249,125
Northern Mariana Islands40$832,750
Puerto Rico780$832,750
U.S. Virgin Islands30$1,249,125

Questions

What is the conforming loan limit for 2026?

$832,750 for a one-unit home in most of the country, up from $806,500 in 2025. In high-cost areas it is up to $1,249,125.

What is the jumbo loan limit for 2026?

There is no separate jumbo limit: a jumbo loan is any loan above the conforming limit for its county, $832,750 in most counties and up to $1,249,125 in the most expensive ones.

How many counties are high-cost?

123 of 3,235 counties in FHFA's 2026 file are above the baseline; 38 are at the $1,249,125 ceiling.

When do the limits take effect?

January 1, 2026. FHFA announced them at the end of November 2025.

Sources

Figures as published by the agencies. See sources and method.