MI
FHA loan limit for Houghton County, Michigan
Standard area: the FHA floor limit applies for this county.
FHA Loan Eligibility
Houghton County has a one-unit FHA limit of $263,400.
Loan Amount: $254,181
✅ Eligible for FHA financing.
Source and methodology
The value shown is the county one-unit FHA forward mortgage limit (standard FHA for purchase and refinance). HUD uses “forward” to distinguish these loans from reverse mortgages (HECM).
HUD dataset (CY2025): https://apps.hud.gov/pub/chums/cy2025-forward-limits.txt
Flood risk snapshot
FEMA National Risk Index score: 52 (Moderate)
Per diem preview
GSA-style lodging: $134
Meals: $59