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2026 conforming loan limits · New Mexico

All 33 counties in New Mexico 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.

New Mexico at a glance

FHFA 2026 conforming loan limit summary for New Mexico
MetricValue
Counties33
Lowest one-unit conforming limit$832,750
Highest one-unit conforming limit$832,750
Distinct one-unit limits1
Applicable baseline$832,750
Above the applicable baseline0 of 33 (0.0%)
At the applicable ceiling0
Dataset yearCY2026

Every county in New Mexico 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.

Conforming and FHA one-unit limits by county · New Mexico
CountyMetroConforming 1-unit (2026)FHA 1-unit (2026)Difference
Bernalillo CountyALBUQUERQUE, NM$832,750$541,287$291,463
Catron CountyRural / Non-metro$832,750$541,287$291,463
Chaves CountyROSWELL, NM$832,750$541,287$291,463
Cibola CountyRural / Non-metro$832,750$541,287$291,463
Colfax CountyRural / Non-metro$832,750$541,287$291,463
Curry CountyCLOVIS, NM$832,750$541,287$291,463
De Baca CountyRural / Non-metro$832,750$541,287$291,463
Dona Ana CountyLAS CRUCES, NM$832,750$541,287$291,463
Eddy CountyCARLSBAD-ARTESIA, NM$832,750$541,287$291,463
Grant CountySILVER CITY, NM$832,750$541,287$291,463
Guadalupe CountyRural / Non-metro$832,750$541,287$291,463
Harding CountyRural / Non-metro$832,750$541,287$291,463
Hidalgo CountyRural / Non-metro$832,750$541,287$291,463
Lea CountyHOBBS, NM$832,750$541,287$291,463
Lincoln CountyRUIDOSO, NM$832,750$541,287$291,463
Los Alamos CountyLOS ALAMOS, NM$832,750$692,300$140,450
Luna CountyDEMING, NM$832,750$541,287$291,463
Mckinley CountyGALLUP, NM$832,750$541,287$291,463
Mora CountyLAS VEGAS, NM$832,750$541,287$291,463
Otero CountyALAMOGORDO, NM$832,750$541,287$291,463
Quay CountyRural / Non-metro$832,750$541,287$291,463
Rio Arriba CountyESPANOLA, NM$832,750$541,287$291,463
Roosevelt CountyCLOVIS, NM$832,750$541,287$291,463
Sandoval CountyALBUQUERQUE, NM$832,750$541,287$291,463
San Juan CountyFARMINGTON, NM$832,750$541,287$291,463
San Miguel CountyLAS VEGAS, NM$832,750$541,287$291,463
Santa Fe CountySANTA FE, NM$832,750$569,250$263,500
Sierra CountyRural / Non-metro$832,750$541,287$291,463
Socorro CountyRural / Non-metro$832,750$541,287$291,463
Taos CountyTAOS, NM$832,750$541,287$291,463
Torrance CountyALBUQUERQUE, NM$832,750$541,287$291,463
Union CountyRural / Non-metro$832,750$541,287$291,463
Valencia CountyALBUQUERQUE, NM$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.

Conforming limits for one to four units by county · New Mexico
County1 unit2 units3 units4 units
Bernalillo County$832,750$1,066,250$1,288,800$1,601,750
Catron County$832,750$1,066,250$1,288,800$1,601,750
Chaves County$832,750$1,066,250$1,288,800$1,601,750
Cibola County$832,750$1,066,250$1,288,800$1,601,750
Colfax County$832,750$1,066,250$1,288,800$1,601,750
Curry County$832,750$1,066,250$1,288,800$1,601,750
De Baca County$832,750$1,066,250$1,288,800$1,601,750
Dona Ana County$832,750$1,066,250$1,288,800$1,601,750
Eddy County$832,750$1,066,250$1,288,800$1,601,750
Grant County$832,750$1,066,250$1,288,800$1,601,750
Guadalupe County$832,750$1,066,250$1,288,800$1,601,750
Harding County$832,750$1,066,250$1,288,800$1,601,750
Hidalgo County$832,750$1,066,250$1,288,800$1,601,750
Lea County$832,750$1,066,250$1,288,800$1,601,750
Lincoln County$832,750$1,066,250$1,288,800$1,601,750
Los Alamos County$832,750$1,066,250$1,288,800$1,601,750
Luna County$832,750$1,066,250$1,288,800$1,601,750
Mckinley County$832,750$1,066,250$1,288,800$1,601,750
Mora County$832,750$1,066,250$1,288,800$1,601,750
Otero County$832,750$1,066,250$1,288,800$1,601,750
Quay County$832,750$1,066,250$1,288,800$1,601,750
Rio Arriba County$832,750$1,066,250$1,288,800$1,601,750
Roosevelt County$832,750$1,066,250$1,288,800$1,601,750
Sandoval County$832,750$1,066,250$1,288,800$1,601,750
San Juan County$832,750$1,066,250$1,288,800$1,601,750
San Miguel County$832,750$1,066,250$1,288,800$1,601,750
Santa Fe County$832,750$1,066,250$1,288,800$1,601,750
Sierra County$832,750$1,066,250$1,288,800$1,601,750
Socorro County$832,750$1,066,250$1,288,800$1,601,750
Taos County$832,750$1,066,250$1,288,800$1,601,750
Torrance County$832,750$1,066,250$1,288,800$1,601,750
Union County$832,750$1,066,250$1,288,800$1,601,750
Valencia 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)

    Dataset year
    2026 (CY2026)
    Effective
    January 1, 2026
    Retrieved
    December 12, 2025

    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

    https://www.fhfa.gov/data/conforming-loan-limit

  • U.S. Department of Housing and Urban Development (HUD) — FHA Single Family Forward Mortgage Limits

    Dataset year
    2026 (CY2026)
    Effective
    January 1, 2026
    Retrieved
    December 12, 2025

    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)

    https://apps.hud.gov/pub/chums/cy2026-forward-limits.txt