FHFA · Conforming Loan Limits
2026 Conforming Loan Limits
The Federal Housing Finance Agency sets the largest mortgage Fannie Mae and Freddie Mac may buy. A one-unit loan above the limit that applies to its county is not conforming, and is priced as a Jumbo loan instead.
2026 baseline · one unit
$832,750
Applies in 3,075 of 3,235 county-equivalents
2026 high-cost ceiling · one unit
$1,249,125
150% of the baseline. 38 county-equivalents reach it
CY2026 Showing the 2026 FHFA dataset, effective 2026-01-01. Figures change only when FHFA publishes a new file.
Alaska, Hawaii, Guam and the U.S. Virgin Islands are different
Special statutory provisions give these four jurisdictions their own limits. Their baseline is $1,249,125 for one unit — the same figure that is the ceiling everywhere else — and their ceiling is $1,873,675. A county at $1,249,125 in Alaska is at its baseline; the same figure in Virginia is at the ceiling. $1,249,125 is not a nationwide maximum.
2026 limits by property size
FHFA publishes a separate limit for one-, two-, three- and four-unit properties. Every figure below is a row FHFA published for real jurisdictions, not a multiple of the one-unit limit.
Standard regime — the other 52 states and territories
| Property units | Baseline limit | High-cost ceiling |
|---|---|---|
| 1 unit | $832,750 | $1,249,125 |
| 2 units | $1,066,250 | $1,599,375 |
| 3 units | $1,288,800 | $1,933,200 |
| 4 units | $1,601,750 | $2,402,625 |
Special statutory regime — Alaska, Hawaii, Guam, U.S. Virgin Islands
| Property units | Baseline limit | High-cost ceiling |
|---|---|---|
| 1 unit | $1,249,125 | $1,873,675 |
| 2 units | $1,599,375 | Not published |
| 3 units | $1,933,200 | Not published |
| 4 units | $2,402,625 | Not published |
The one-unit ceiling of $1,873,675 comes from FHFA’s 2026 announcement. FHFA publishes no two-, three- or four-unit ceiling for these jurisdictions and no county reaches one, so those cells are left empty rather than calculated.
Where the 3,235 county-equivalents sit
3,112 sit at the baseline that applies to them and 123 sit above it, across 25 distinct one-unit values ranging from $832,750 to $1,299,500.
| Regime | FHFA position | County-equivalents | Share | Lowest | Highest |
|---|---|---|---|---|---|
| Standard | At the baseline | 3,075 | 95.1% | $832,750 | $832,750 |
| Standard | Above baseline, below ceiling | 83 | 2.6% | $839,500 | $1,209,750 |
| Standard | At the ceiling | 38 | 1.2% | $1,249,125 | $1,249,125 |
| AK / HI / GU / VI | At the baseline | 37 | 1.1% | $1,249,125 | $1,249,125 |
| AK / HI / GU / VI | Above baseline, below ceiling | 2 | 0.1% | $1,299,500 | $1,299,500 |
Where the limits reach furthest
Two facts the bands above cannot show on their own: which jurisdictions hold the highest limit, and where the two federal programs disagree most.
- Highest conforming limit anywhere: $1,299,500 in Kalawao County and Maui County, Hawaii — above the special statutory baseline that already applies there.
- Widest gap from the FHA limit: $707,838, in 27 Alaska and U.S. Virgin Islands county-equivalents. The conforming limit sits at the special statutory baseline while HUD holds the FHA limit at its national floor, so the two programs are furthest apart there.
- The FHA limit is the higher of the two in 27 county-equivalents, by as much as $50,600 in San Miguel County, Colorado. A higher limit is not a better loan — the two programs answer different questions.
These three are calculated from the published county figures, not published by FHFA. We deliberately do not publish an average county limit: 3,075 of 3,235 county-equivalents carry the same figure, so a mean would sit above the limit that almost every one of them actually has.
Look up a county
Limits are set per county or county-equivalent — including parishes, boroughs, census areas, municipios and Connecticut’s planning regions. Search for yours to see its 2026 conforming limit.
Browse by state
Each state page lists every county-equivalent with its conforming limit, the FHA limit for the same county, and the difference.
Alabama
67 county-equivalents
Alaska
30 county-equivalents
American Samoa
5 county-equivalents
Arizona
15 county-equivalents
Arkansas
75 county-equivalents
California
58 county-equivalents
Colorado
64 county-equivalents
Connecticut
9 county-equivalents
Delaware
3 county-equivalents
District of Columbia
1 county-equivalents
Florida
67 county-equivalents
Georgia
159 county-equivalents
Guam
1 county-equivalents
Hawaii
5 county-equivalents
Idaho
44 county-equivalents
Illinois
102 county-equivalents
Indiana
92 county-equivalents
Iowa
99 county-equivalents
Kansas
105 county-equivalents
Kentucky
120 county-equivalents
Louisiana
64 county-equivalents
Maine
16 county-equivalents
Maryland
24 county-equivalents
Massachusetts
14 county-equivalents
Michigan
83 county-equivalents
Minnesota
87 county-equivalents
Mississippi
82 county-equivalents
Missouri
115 county-equivalents
Montana
56 county-equivalents
Nebraska
93 county-equivalents
Nevada
17 county-equivalents
New Hampshire
10 county-equivalents
New Jersey
21 county-equivalents
New Mexico
33 county-equivalents
New York
62 county-equivalents
North Carolina
100 county-equivalents
North Dakota
53 county-equivalents
Northern Mariana Islands
4 county-equivalents
Ohio
88 county-equivalents
Oklahoma
77 county-equivalents
Oregon
36 county-equivalents
Pennsylvania
67 county-equivalents
Puerto Rico
78 county-equivalents
Rhode Island
5 county-equivalents
South Carolina
46 county-equivalents
South Dakota
66 county-equivalents
Tennessee
95 county-equivalents
Texas
254 county-equivalents
U.S. Virgin Islands
3 county-equivalents
Utah
29 county-equivalents
Vermont
14 county-equivalents
Virginia
133 county-equivalents
Washington
39 county-equivalents
West Virginia
55 county-equivalents
Wisconsin
72 county-equivalents
Wyoming
23 county-equivalents
How conforming loan limits work
Fannie Mae and Freddie Mac buy mortgages from lenders. FHFA, their regulator, caps the size of the loans they may buy, and that cap is the conforming loan limit. The Housing and Economic Recovery Act of 2008 ties it to national home prices, so FHFA republishes it every year.
Most counties get the baseline. Where 115% of the local median home value exceeds the baseline, FHFA raises that county’s limit, up to the ceiling of 150% of the baseline. That is why the limit differs between counties in the same state, and why 25 distinct one-unit values exist rather than two.
The four special statutory jurisdictions sit outside that band entirely, on the higher baseline and ceiling shown above. Reading an Alaska or Hawaii county against the $832,750 baseline will misdescribe it.
Conforming limits are not FHA limits
Two different agencies publish two different county limits for two different loan programs, and they are not interchangeable.
- Conforming limit — FHFA. The largest one-unit mortgage Fannie Mae or Freddie Mac will buy in that county. Above it, a loan is Jumbo.
- FHA limit — HUD. The largest mortgage FHA will insure in that county, for borrowers using an FHA-insured loan.
Neither limit governs the other program, and a higher figure is not a better one — they answer different questions. State pages here show both per county so the two can be compared without confusing them. FHA county limits have their own product at FHA loan limits by county.
How these figures were produced
Every limit on this page is read from FHFA's published 2026 file or its 2026 announcement. Nothing is interpolated, and no limit is derived by applying a multiplier to another limit.
- County and county-equivalent limits for one to four units (3,235 records)Official sourceRead verbatim from the FHFA county spreadsheet. Values are not adjusted.
- Baseline and high-cost ceiling rows by property sizeOfficial sourceTaken from the published rows of the counties that sit at each band, rather than assembled from column maximums.
- Special statutory one-unit baseline and ceiling for Alaska, Hawaii, Guam and the U.S. Virgin IslandsOfficial sourceThe ceiling is stated only in the FHFA announcement; no county reaches it, so the county file cannot supply it.
- Highest limit, widest and narrowest gap from the FHA limit, and the counts of eachCalculated on this pageMaximum and minimum over the published county figures, and a subtraction between the FHFA and HUD figures for the same county
- County counts, shares and the distribution tableCalculated on this pageCounted from the compiled dataset against each county’s own regime baseline and ceiling
Government sources
Federal Housing Finance Agency (FHFA) — Conforming Loan Limits by County (HERA-based)
Fields used: FIPS State Code; FIPS County Code; County Name; State; CBSA Number; One-Unit Limit; Two-Unit Limit; Three-Unit Limit; Four-Unit Limit
Federal Housing Finance Agency (FHFA) — FHFA Announces Conforming Loan Limit Values for 2026
Fields used: CY2026 national baseline conforming loan limit, one unit: $832,750; CY2026 high-cost ceiling, one unit: $1,249,125 (stated as 150 percent of $832,750); Special statutory baseline for AK, HI, GU and VI, one unit: $1,249,125; Special statutory ceiling for AK, HI, GU and VI, one unit: $1,873,675
https://www.fhfa.gov/news/news-release/fhfa-announces-conforming-loan-limit-values-for-2026