TPO Kit
2026 conforming loan limits in Michigan.
All 83 counties in Michigan use the national baseline: $832,750 for one unit.
| Every county | 1 unit | 2 units | 3 units | 4 units |
|---|---|---|---|---|
| Michigan | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
See all 83 counties
| County | 1 unit | 2 units | 3 units | 4 units | 1 unit, since 2025 | 1 unit, since 2022 |
|---|---|---|---|---|---|---|
| Alcona County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Alger County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Allegan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Alpena County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Antrim County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Arenac County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Baraga County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Barry County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Bay County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Benzie County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Berrien County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Branch County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Calhoun County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Cass County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Charlevoix County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Cheboygan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Chippewa County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Clare County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Clinton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Crawford County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Delta County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Dickinson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Eaton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Emmet County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Genesee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Gladwin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Gogebic County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Grand Traverse County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Gratiot County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Hillsdale County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Houghton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Huron County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Ingham County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Ionia County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Iosco County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Iron County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Isabella County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Jackson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Kalamazoo County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Kalkaska County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Kent County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Keweenaw County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Lake County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Lapeer County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Leelanau County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Lenawee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Livingston County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Luce County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Mackinac County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Macomb County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Manistee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Marquette County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Mason County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Mecosta County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Menominee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Midland County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Missaukee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Monroe County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Montcalm County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Montmorency County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Muskegon County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Newaygo County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Oakland County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Oceana County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Ogemaw County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Ontonagon County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Osceola County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Oscoda County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Otsego County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Ottawa County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Presque Isle County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Roscommon County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Saginaw County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Sanilac County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Schoolcraft County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Shiawassee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| St. Clair County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| St. Joseph County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Tuscola County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Van Buren County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Washtenaw County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Wayne County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Wexford 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.