2026 conforming loan limits · Michigan
All 83 counties in Michigan use the same one-unit conforming limit of $832,750.
CY2026 Showing the 2026 FHFA dataset, effective 2026-01-01. Figures change only when FHFA publishes a new file.
Michigan at a glance
| Metric | Value |
|---|---|
| Counties | 83 |
| Lowest one-unit conforming limit | $832,750 |
| Highest one-unit conforming limit | $832,750 |
| Distinct one-unit limits | 1 |
| Applicable baseline | $832,750 |
| Above the applicable baseline | 0 of 83 (0.0%) |
| At the applicable ceiling | 0 |
| Dataset year | CY2026 |
Every county in Michigan carries the same one-unit limit, so there is no high-cost ranking to show.
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 |
|---|---|---|---|---|
| Alcona County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Alger County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Allegan County | HOLLAND, MI | $832,750 | $541,287 | $291,463 |
| Alpena County | ALPENA, MI | $832,750 | $541,287 | $291,463 |
| Antrim County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Arenac County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Baraga County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Barry County | GRAND RAPIDS-WYOMING-KENTWOOD, MI | $832,750 | $541,287 | $291,463 |
| Bay County | BAY CITY, MI | $832,750 | $541,287 | $291,463 |
| Benzie County | TRAVERSE CITY, MI | $832,750 | $541,287 | $291,463 |
| Berrien County | NILES, MI | $832,750 | $541,287 | $291,463 |
| Branch County | COLDWATER, MI | $832,750 | $541,287 | $291,463 |
| Calhoun County | BATTLE CREEK, MI | $832,750 | $541,287 | $291,463 |
| Cass County | SOUTH BEND-MISHAWAKA, IN-MI | $832,750 | $541,287 | $291,463 |
| Charlevoix County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Cheboygan County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Chippewa County | SAULT STE. MARIE, MI | $832,750 | $541,287 | $291,463 |
| Clare County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Clinton County | LANSING-EAST LANSING, MI | $832,750 | $541,287 | $291,463 |
| Crawford County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Delta County | ESCANABA, MI | $832,750 | $541,287 | $291,463 |
| Dickinson County | IRON MOUNTAIN, MI-WI | $832,750 | $541,287 | $291,463 |
| Eaton County | LANSING-EAST LANSING, MI | $832,750 | $541,287 | $291,463 |
| Emmet County | PETOSKEY, MI | $832,750 | $541,287 | $291,463 |
| Genesee County | FLINT, MI | $832,750 | $541,287 | $291,463 |
| Gladwin County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Gogebic County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Grand Traverse County | TRAVERSE CITY, MI | $832,750 | $541,287 | $291,463 |
| Gratiot County | ALMA, MI | $832,750 | $541,287 | $291,463 |
| Hillsdale County | HILLSDALE, MI | $832,750 | $541,287 | $291,463 |
| Houghton County | HOUGHTON, MI | $832,750 | $541,287 | $291,463 |
| Huron County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Ingham County | LANSING-EAST LANSING, MI | $832,750 | $541,287 | $291,463 |
| Ionia County | GRAND RAPIDS-WYOMING-KENTWOOD, MI | $832,750 | $541,287 | $291,463 |
| Iosco County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Iron County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Isabella County | MOUNT PLEASANT, MI | $832,750 | $541,287 | $291,463 |
| Jackson County | JACKSON, MI | $832,750 | $541,287 | $291,463 |
| Kalamazoo County | KALAMAZOO-PORTAGE, MI | $832,750 | $541,287 | $291,463 |
| Kalkaska County | TRAVERSE CITY, MI | $832,750 | $541,287 | $291,463 |
| Kent County | GRAND RAPIDS-WYOMING-KENTWOOD, MI | $832,750 | $541,287 | $291,463 |
| Keweenaw County | HOUGHTON, MI | $832,750 | $541,287 | $291,463 |
| Lake County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Lapeer County | DETROIT-WARREN-DEARBORN, MI | $832,750 | $541,287 | $291,463 |
| Leelanau County | TRAVERSE CITY, MI | $832,750 | $541,287 | $291,463 |
| Lenawee County | ADRIAN, MI | $832,750 | $541,287 | $291,463 |
| Livingston County | DETROIT-WARREN-DEARBORN, MI | $832,750 | $541,287 | $291,463 |
| Luce County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Mackinac County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Macomb County | DETROIT-WARREN-DEARBORN, MI | $832,750 | $541,287 | $291,463 |
| Manistee County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Marquette County | MARQUETTE, MI | $832,750 | $541,287 | $291,463 |
| Mason County | LUDINGTON, MI | $832,750 | $541,287 | $291,463 |
| Mecosta County | BIG RAPIDS, MI | $832,750 | $541,287 | $291,463 |
| Menominee County | MARINETTE, WI-MI | $832,750 | $541,287 | $291,463 |
| Midland County | MIDLAND, MI | $832,750 | $541,287 | $291,463 |
| Missaukee County | CADILLAC, MI | $832,750 | $541,287 | $291,463 |
| Monroe County | MONROE, MI | $832,750 | $541,287 | $291,463 |
| Montcalm County | GRAND RAPIDS-WYOMING-KENTWOOD, MI | $832,750 | $541,287 | $291,463 |
| Montmorency County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Muskegon County | MUSKEGON-NORTON SHORES, MI | $832,750 | $541,287 | $291,463 |
| Newaygo County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Oakland County | DETROIT-WARREN-DEARBORN, MI | $832,750 | $541,287 | $291,463 |
| Oceana County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Ogemaw County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Ontonagon County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Osceola County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Oscoda County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Otsego County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Ottawa County | GRAND RAPIDS-WYOMING-KENTWOOD, MI | $832,750 | $541,287 | $291,463 |
| Presque Isle County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Roscommon County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Saginaw County | SAGINAW, MI | $832,750 | $541,287 | $291,463 |
| St. Clair County | DETROIT-WARREN-DEARBORN, MI | $832,750 | $541,287 | $291,463 |
| St. Joseph County | STURGIS, MI | $832,750 | $541,287 | $291,463 |
| Sanilac County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Schoolcraft County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Shiawassee County | OWOSSO, MI | $832,750 | $541,287 | $291,463 |
| Tuscola County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Van Buren County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Washtenaw County | ANN ARBOR, MI | $832,750 | $541,287 | $291,463 |
| Wayne County | DETROIT-WARREN-DEARBORN, MI | $832,750 | $541,287 | $291,463 |
| Wexford County | CADILLAC, MI | $832,750 | $541,287 | $291,463 |
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 |
|---|---|---|---|---|
| Alcona County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Alger County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Allegan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Alpena County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Antrim County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Arenac County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Baraga County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Barry County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bay County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Benzie County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Berrien County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Branch County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Calhoun County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cass County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Charlevoix County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cheboygan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Chippewa County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clare County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clinton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Crawford County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Delta County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Dickinson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Eaton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Emmet County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Genesee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Gladwin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Gogebic County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Grand Traverse County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Gratiot County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hillsdale County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Houghton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Huron County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Ingham County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Ionia County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Iosco County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Iron County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Isabella County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jackson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Kalamazoo County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Kalkaska County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Kent County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Keweenaw County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lake County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lapeer County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Leelanau County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lenawee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Livingston County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Luce County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mackinac County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Macomb County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Manistee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Marquette County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mason County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mecosta County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Menominee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Midland County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Missaukee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Monroe County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Montcalm County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Montmorency County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Muskegon County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Newaygo County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Oakland County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Oceana County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Ogemaw County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Ontonagon County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Osceola County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Oscoda County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Otsego County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Ottawa County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Presque Isle County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Roscommon County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Saginaw County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| St. Clair County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| St. Joseph County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sanilac County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Schoolcraft County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Shiawassee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Tuscola County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Van Buren County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Washtenaw County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wayne County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wexford 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)