TPO Kit
2026 conforming loan limits by county.
The baseline one-unit limit is $832,750 in most of the country. 160 counties have a higher limit, up to $1,249,125 in high-cost areas. Alaska, Hawaii, Guam and the U.S. Virgin Islands have their own limits, up to $1,299,500.
Baseline, one unit
$832,750
High-cost ceiling, one unit, most areas
$1,249,125
Counties above the baseline
160
Look Up a County
Every State
- Alabama
- Alaska
- American Samoa
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Guam
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Northern Mariana Islands
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Puerto Rico
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- U.S. Virgin Islands
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Source: FHFA, Conforming Loan Limit Values, 2026. Limits apply to loans acquired by Fannie Mae and Freddie Mac in 2026. FHA limits are set separately by HUD: for 2026, $541,287 to $1,249,125 for one unit in most areas. HUD loan limit lookup.
Updated September 28, 2026 · FHFA's next updates are expected in late November 2026.