2026 conforming loan limits · New Hampshire
New Hampshire has 2 distinct one-unit conforming limits, from $832,750 to $962,550. 2 of 10 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.
New Hampshire at a glance
| Metric | Value |
|---|---|
| Counties | 10 |
| Lowest one-unit conforming limit | $832,750 |
| Highest one-unit conforming limit | $962,550 |
| Distinct one-unit limits | 2 |
| Applicable baseline | $832,750 |
| Above the applicable baseline | 2 of 10 (20.0%) |
| At the applicable ceiling | 0 |
| Dataset year | CY2026 |
How New Hampshire splits
| FHFA position | Counties | Share | Lowest | Highest |
|---|---|---|---|---|
| At the baseline | 8 | 80.0% | $832,750 | $832,750 |
| Above baseline, below ceiling | 2 | 20.0% | $962,550 | $962,550 |
Highest limits in New Hampshire: Rockingham County ($962,550), Strafford County ($962,550), Belknap County ($832,750), Carroll County ($832,750), Cheshire County ($832,750).
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 |
|---|---|---|---|---|
| Belknap County | LACONIA, NH | $832,750 | $541,287 | $291,463 |
| Carroll County | Rural / Non-metro | $832,750 | $546,250 | $286,500 |
| Cheshire County | KEENE, NH | $832,750 | $541,287 | $291,463 |
| Coos County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Grafton County | LEBANON-CLAREMONT, NH-VT | $832,750 | $541,287 | $291,463 |
| Hillsborough County | MANCHESTER-NASHUA, NH | $832,750 | $589,950 | $242,800 |
| Merrimack County | CONCORD, NH | $832,750 | $541,287 | $291,463 |
| Rockingham County | BOSTON-CAMBRIDGE-NEWTON, MA-NH | $962,550 | $962,550 | $0 |
| Strafford County | BOSTON-CAMBRIDGE-NEWTON, MA-NH | $962,550 | $962,550 | $0 |
| Sullivan County | LEBANON-CLAREMONT, NH-VT | $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 |
|---|---|---|---|---|
| Belknap County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Carroll County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cheshire County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Coos County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Grafton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hillsborough County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Merrimack County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Rockingham County | $962,550 | $1,232,250 | $1,489,500 | $1,851,100 |
| Strafford County | $962,550 | $1,232,250 | $1,489,500 | $1,851,100 |
| Sullivan 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)