Free, structured datasets we built from primary government sources and keep in sync with the pages on this site. Journalists, researchers and analysts are welcome to use them — republish any figure or the full CSVs under CC BY 4.0 with attribution and a link to this page.
Last updated July 2026 · Need a custom cut (one state, one metro, year-over-year)? Ask us — we’ll run it for free.
FHFA publishes the 2026 limits as a spreadsheet of all 3,000+ U.S. counties. This dataset is the useful subset: the 156 counties above the $832,750 national baseline, with exact 1-, 2-, 3- and 4-unit limits and FIPS codes. 71 of them sit at the $1,249,125 ceiling; 85 fall in between — the “intermediate” counties where the local limit is easiest to get wrong. 20 states and territories are represented.
Every county below is above the national baseline but below the ceiling — the exact figures come from the FHFA county file, not interpolation.
| County | State | 1-unit limit | 4-unit limit |
|---|---|---|---|
| Kalawao County | HI | $1,299,500 | $2,499,100 |
| Maui County | HI | $1,299,500 | $2,499,100 |
| Garfield County | CO | $1,209,750 | $2,326,875 |
| Pitkin County | CO | $1,209,750 | $2,326,875 |
| Calvert County | MD | $1,209,750 | $2,326,875 |
| Bergen County | NJ | $1,209,750 | $2,326,875 |
| Essex County | NJ | $1,209,750 | $2,326,875 |
| Hudson County | NJ | $1,209,750 | $2,326,875 |
| Hunterdon County | NJ | $1,209,750 | $2,326,875 |
| Middlesex County | NJ | $1,209,750 | $2,326,875 |
| Monmouth County | NJ | $1,209,750 | $2,326,875 |
| Morris County | NJ | $1,209,750 | $2,326,875 |
Browse the same data as web pages: loan limits by state.
Parsed verbatim from the official FHFA full-county loan-limit file (source .xlsx, retrieved 2026-06-18) by an ingest script — no figure is hand-entered or estimated. The CSV above is regenerated from the same committed dataset on every site build, so it cannot drift from the pages that cite it. Official cross-checks: FHFA county loan-limit lookup · FHA county loan-limit lookup.
USDA publishes its guaranteed-loan income limits only as a 345-page PDF and a lookup form — there is no official bulk file. We parsed the authoritative table into structured data: 643 areas across 48 states where the limit exceeds the national standard of $119,850 (1–4 person household) / $158,250 (5–8 person), figures in effect as of June 2026. Alaska’s two-tier road-system limits are carried as per-row notes.
| Area | 1–4 person limit | 5–8 person limit |
|---|---|---|
| Santa Cruz-Watsonville, CA MSA | $265,100 | $349,900 |
| San Francisco, CA HUD Metro FMR Area | $238,200 | $314,450 |
| San Jose-Sunnyvale-Santa Clara, CA HUD Metro FMR Area | $229,350 | $302,750 |
| Santa Maria-Santa Barbara, CA MSA | $203,000 | $268,000 |
| Salinas, CA MSA | $199,900 | $263,900 |
| Santa Ana-Anaheim-Irvine, CA HUD Metro FMR Area | $194,550 | $256,850 |
| San Diego-Chula Vista-Carlsbad, CA MSA | $193,050 | $254,850 |
| Nantucket County, MA | $190,450 | $251,400 |
Check a specific address with the interactive tool on the USDA loans guide.
Parsed from USDA’s official adjusted-income-limits table (rd-grhlimitmap.pdf) with a coordinate-aware PDF parser, validated row-by-row against USDA’s own eligibility tool for known areas and against per-state row counts. Where a figure could not be verified it was excluded rather than estimated.
Cite as “Mortgage Merlin analysis of FHFA/USDA data” with a link to mortgagemerlin.com/data. A ready-to-paste snippet:
<p>The 2026 conforming loan limit is $832,750 in most U.S. counties,
rising to a $1,249,125 ceiling in 156 designated high-cost counties.
Source: <a href="https://www.mortgagemerlin.com/data">Mortgage Merlin — 2026 loan-limit dataset</a>, from FHFA data.</p>Educational information only — not financial advice. Verify current figures against the official sources above before relying on them. Mortgage Merlin is a publisher, not a lender or broker; see our editorial policy.