2026 conforming loan limits · Massachusetts
Massachusetts has 3 distinct one-unit conforming limits, from $832,750 to $1,249,125. 7 of 14 counties sit above the $832,750 baseline that applies here.
CY2026 Showing the 2026 FHFA dataset, effective 2026-01-01. Figures change only when FHFA publishes a new file.
Massachusetts at a glance
| Metric | Value |
|---|---|
| Counties | 14 |
| Lowest one-unit conforming limit | $832,750 |
| Highest one-unit conforming limit | $1,249,125 |
| Distinct one-unit limits | 3 |
| Applicable baseline | $832,750 |
| Above the applicable baseline | 7 of 14 (50.0%) |
| At the applicable ceiling | 2 |
| Dataset year | CY2026 |
How Massachusetts splits
| FHFA position | Counties | Share | Lowest | Highest |
|---|---|---|---|---|
| At the baseline | 7 | 50.0% | $832,750 | $832,750 |
| Above baseline, below ceiling | 5 | 35.7% | $962,550 | $962,550 |
| At the ceiling | 2 | 14.3% | $1,249,125 | $1,249,125 |
Highest limits in Massachusetts: Dukes County ($1,249,125), Nantucket County ($1,249,125), Essex County ($962,550), Middlesex County ($962,550), Norfolk County ($962,550).
Conforming and FHA limits by county
Two federal programs, two agencies, two different limits. The conforming figure is FHFA’s cap on what Fannie Mae and Freddie Mac may buy; the FHA figure is HUD’s cap on what FHA will insure. Neither governs the other.
| County | Metro | Conforming 1-unit (2026) | FHA 1-unit (2026) | Difference |
|---|---|---|---|---|
| Barnstable County | BARNSTABLE TOWN, MA | $832,750 | $828,000 | $4,750 |
| Berkshire County | PITTSFIELD, MA | $832,750 | $541,287 | $291,463 |
| Bristol County | PROVIDENCE-WARWICK, RI-MA | $832,750 | $787,750 | $45,000 |
| Dukes County | VINEYARD HAVEN, MA | $1,249,125 | $1,249,125 | $0 |
| Essex County | BOSTON-CAMBRIDGE-NEWTON, MA-NH | $962,550 | $962,550 | $0 |
| Franklin County | GREENFIELD, MA | $832,750 | $541,287 | $291,463 |
| Hampden County | SPRINGFIELD, MA | $832,750 | $541,287 | $291,463 |
| Hampshire County | AMHERST TOWN-NORTHAMPTON, MA | $832,750 | $541,287 | $291,463 |
| Middlesex County | BOSTON-CAMBRIDGE-NEWTON, MA-NH | $962,550 | $962,550 | $0 |
| Nantucket County | NANTUCKET, MA | $1,249,125 | $1,249,125 | $0 |
| Norfolk County | BOSTON-CAMBRIDGE-NEWTON, MA-NH | $962,550 | $962,550 | $0 |
| Plymouth County | BOSTON-CAMBRIDGE-NEWTON, MA-NH | $962,550 | $962,550 | $0 |
| Suffolk County | BOSTON-CAMBRIDGE-NEWTON, MA-NH | $962,550 | $962,550 | $0 |
| Worcester County | WORCESTER, MA | $832,750 | $545,100 | $287,650 |
Two-, three- and four-unit conforming limits
FHFA publishes a separate limit for each property size. These are its published figures, not multiples of the one-unit limit.
| County | 1 unit | 2 units | 3 units | 4 units |
|---|---|---|---|---|
| Barnstable County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Berkshire County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bristol County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Dukes County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Essex County | $962,550 | $1,232,250 | $1,489,500 | $1,851,100 |
| Franklin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hampden County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hampshire County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Middlesex County | $962,550 | $1,232,250 | $1,489,500 | $1,851,100 |
| Nantucket County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Norfolk County | $962,550 | $1,232,250 | $1,489,500 | $1,851,100 |
| Plymouth County | $962,550 | $1,232,250 | $1,489,500 | $1,851,100 |
| Suffolk County | $962,550 | $1,232,250 | $1,489,500 | $1,851,100 |
| Worcester County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
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
U.S. Department of Housing and Urban Development (HUD) — FHA Single Family Forward Mortgage Limits
Fields used: cols 073-079: one-unit forward mortgage limit; cols 080-086: two-unit forward mortgage limit; cols 087-093: three-unit forward mortgage limit; cols 094-100: four-unit forward mortgage limit; cols 101-102: state postal code; cols 103-105: county FIPS code; cols 000-009: CBSA/metro code (9999900000 = non-metro)