high-cost
2026 loan limits by state
The 2026 national baseline conforming loan limit is $832,750 for a one-unit home, rising to $1,249,125 in high-cost areas. FHA runs from a $541,287 floor to a $1,249,125 ceiling. Pick your state for the local picture and the official county lookup.
- Alabama Conforming $832,750–$1,249,125
- Alaska high-cost Conforming $1,249,125–$1,873,675
- Arizona high-cost Conforming $832,750–$1,249,125
- Arkansas Conforming $832,750–$1,249,125
- California high-cost Conforming $832,750–$1,249,125
- Colorado high-cost Conforming $832,750–$1,249,125
- Connecticut high-cost Conforming $832,750–$1,249,125
- Delaware Conforming $832,750–$1,249,125
- District of Columbia high-cost Conforming $832,750–$1,249,125
- Florida high-cost Conforming $832,750–$1,249,125
- Georgia high-cost Conforming $832,750–$1,249,125
- Hawaii high-cost Conforming $1,249,125–$1,873,675
- Idaho high-cost Conforming $832,750–$1,249,125
- Illinois Conforming $832,750–$1,249,125
- Indiana Conforming $832,750–$1,249,125
- Iowa Conforming $832,750–$1,249,125
- Kansas Conforming $832,750–$1,249,125
- Kentucky Conforming $832,750–$1,249,125
- Louisiana Conforming $832,750–$1,249,125
- Maine Conforming $832,750–$1,249,125
- Maryland high-cost Conforming $832,750–$1,249,125
- Massachusetts high-cost Conforming $832,750–$1,249,125
- Michigan Conforming $832,750–$1,249,125
- Minnesota Conforming $832,750–$1,249,125
- Mississippi Conforming $832,750–$1,249,125
- Missouri Conforming $832,750–$1,249,125
- Montana Conforming $832,750–$1,249,125
- Nebraska Conforming $832,750–$1,249,125
- Nevada high-cost Conforming $832,750–$1,249,125
- New Hampshire high-cost Conforming $832,750–$1,249,125
- New Jersey high-cost Conforming $832,750–$1,249,125
- New Mexico Conforming $832,750–$1,249,125
- New York high-cost Conforming $832,750–$1,249,125
- North Carolina high-cost Conforming $832,750–$1,249,125
- North Dakota Conforming $832,750–$1,249,125
- Ohio Conforming $832,750–$1,249,125
- Oklahoma Conforming $832,750–$1,249,125
- Oregon high-cost Conforming $832,750–$1,249,125
- Pennsylvania high-cost Conforming $832,750–$1,249,125
- Rhode Island high-cost Conforming $832,750–$1,249,125
- South Carolina Conforming $832,750–$1,249,125
- South Dakota Conforming $832,750–$1,249,125
- Tennessee high-cost Conforming $832,750–$1,249,125
- Texas Conforming $832,750–$1,249,125
- Utah high-cost Conforming $832,750–$1,249,125
- Vermont Conforming $832,750–$1,249,125
- Virginia high-cost Conforming $832,750–$1,249,125
- Washington high-cost Conforming $832,750–$1,249,125
- West Virginia high-cost Conforming $832,750–$1,249,125
- Wisconsin Conforming $832,750–$1,249,125
- Wyoming high-cost Conforming $832,750–$1,249,125
High-cost counties with a limit above the $832,750 baseline
- Alameda County, CA $1,249,125
- Alexandria City, VA $1,249,125
- Arlington County, VA $1,249,125
- Bergen County, NJ $1,209,750
- Boulder County, CO $879,750
- Bronx County, NY $1,209,750
- Calvert County, MD $1,209,750
- Charles County, MD $1,249,125
- Contra Costa County, CA $1,249,125
- Davidson County, TN $1,029,250
- District Of Columbia, DC $1,249,125
- Douglas County, CO $862,500
- Dukes County, MA $1,249,125
- Eagle County, CO $1,249,125
- Elbert County, CO $862,500
- Essex County, NJ $1,209,750
- Fairfax City, VA $1,249,125
- Fairfax County, VA $1,249,125
- Falls Church City, VA $1,249,125
- Frederick County, MD $1,249,125
- Honolulu County, HI $1,249,125
- Hudson County, NJ $1,209,750
- Kauai County, HI $1,249,125
- King County, WA $1,063,750
- Kings County, NY $1,209,750
- Los Angeles County, CA $1,249,125
- Loudoun County, VA $1,249,125
- Marin County, CA $1,249,125
- Maui County, HI $1,299,500
- Middlesex County, MA $962,550
- Monroe County, FL $990,150
- Monterey County, CA $994,750
- Montgomery County, MD $1,249,125
- Morris County, NJ $1,209,750
- Nantucket County, MA $1,249,125
- Napa County, CA $1,017,750
- Nassau County, NY $1,209,750
- New York County, NY $1,209,750
- Orange County, CA $1,249,125
- Passaic County, NJ $1,209,750
- Pierce County, WA $1,063,750
- Pitkin County, CO $1,209,750
- Prince George's County, MD $1,249,125
- Prince William County, VA $1,249,125
- Putnam County, NY $1,209,750
- Queens County, NY $1,209,750
- Richmond County, NY $1,209,750
- Rockland County, NY $1,209,750
- Routt County, CO $1,089,050
- San Benito County, CA $1,249,125
- San Diego County, CA $1,104,000
- San Francisco County, CA $1,249,125
- San Luis Obispo County, CA $1,000,500
- San Mateo County, CA $1,249,125
- San Miguel County, CO $994,750
- Santa Barbara County, CA $941,850
- Santa Clara County, CA $1,249,125
- Santa Cruz County, CA $1,249,125
- Snohomish County, WA $1,063,750
- Sonoma County, CA $897,000
- Suffolk County, NY $1,209,750
- Summit County, CO $1,092,500
- Summit County, UT $1,150,000
- Teton County, ID $1,249,125
- Teton County, WY $1,249,125
- Union County, NJ $1,209,750
- Ventura County, CA $1,035,000
- Wasatch County, UT $1,150,000
- Westchester County, NY $1,209,750
- Western Connecticut Planning Region, CT $977,500
- Williamson County, TN $1,029,250