TPO Kit
2026 conforming loan limits in Massachusetts.
7 of Massachusetts's 14 counties are high-cost areas with a higher limit, as high as $1,249,125 in 2 counties. The rest use the $832,750 baseline.
| County | 1 unit | 2 units | 3 units | 4 units | 1 unit, since 2025 | 1 unit, since 2022 |
|---|---|---|---|---|---|---|
| Barnstable County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Berkshire County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Bristol County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Dukes CountyHigh-cost | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 (3.3%) | +$278,325 (28.7%) |
| Essex CountyHigh-cost | $962,550 | $1,232,250 | $1,489,500 | $1,851,100 | +$48,300 (5.3%) | +$192,050 (24.9%) |
| Franklin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Hampden County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Hampshire County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Middlesex CountyHigh-cost | $962,550 | $1,232,250 | $1,489,500 | $1,851,100 | +$48,300 (5.3%) | +$192,050 (24.9%) |
| Nantucket CountyHigh-cost | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 (3.3%) | +$278,325 (28.7%) |
| Norfolk CountyHigh-cost | $962,550 | $1,232,250 | $1,489,500 | $1,851,100 | +$48,300 (5.3%) | +$192,050 (24.9%) |
| Plymouth CountyHigh-cost | $962,550 | $1,232,250 | $1,489,500 | $1,851,100 | +$48,300 (5.3%) | +$192,050 (24.9%) |
| Suffolk CountyHigh-cost | $962,550 | $1,232,250 | $1,489,500 | $1,851,100 | +$48,300 (5.3%) | +$192,050 (24.9%) |
| Worcester County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
Source: FHFA, Conforming Loan Limit Values, 2026. For loans acquired by Fannie Mae and Freddie Mac in 2026. Changes use FHFA's county files for 2022 to 2026; counties whose codes changed show "—". 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.