2026 loan limits by state
The 2026 national baseline conforming loan limit is $832,750 for a one-unit home, rising to $1,249,125 in high-cost areas. FHA runs from a $541,287 floor to a $1,249,125 ceiling. Pick your state for the local picture and the official county lookup.
Effective for 2026. Source: FHFA (conforming) and HUD (FHA).
Alabama
Conforming $832,750–$1,249,125Alaskahigh-cost
Conforming $1,249,125–$1,873,675Arizonahigh-cost
Conforming $832,750–$1,249,125Arkansas
Conforming $832,750–$1,249,125Californiahigh-cost
Conforming $832,750–$1,249,125Coloradohigh-cost
Conforming $832,750–$1,249,125Connecticuthigh-cost
Conforming $832,750–$1,249,125Delaware
Conforming $832,750–$1,249,125Floridahigh-cost
Conforming $832,750–$1,249,125Georgiahigh-cost
Conforming $832,750–$1,249,125Hawaiihigh-cost
Conforming $1,249,125–$1,873,675Idahohigh-cost
Conforming $832,750–$1,249,125Illinois
Conforming $832,750–$1,249,125Indiana
Conforming $832,750–$1,249,125Iowa
Conforming $832,750–$1,249,125Kansas
Conforming $832,750–$1,249,125Kentucky
Conforming $832,750–$1,249,125Louisiana
Conforming $832,750–$1,249,125Maine
Conforming $832,750–$1,249,125Marylandhigh-cost
Conforming $832,750–$1,249,125Massachusettshigh-cost
Conforming $832,750–$1,249,125Michigan
Conforming $832,750–$1,249,125Minnesota
Conforming $832,750–$1,249,125Mississippi
Conforming $832,750–$1,249,125Missouri
Conforming $832,750–$1,249,125Montana
Conforming $832,750–$1,249,125Nebraska
Conforming $832,750–$1,249,125Nevadahigh-cost
Conforming $832,750–$1,249,125New Hampshirehigh-cost
Conforming $832,750–$1,249,125New Jerseyhigh-cost
Conforming $832,750–$1,249,125New Mexico
Conforming $832,750–$1,249,125New Yorkhigh-cost
Conforming $832,750–$1,249,125North Carolinahigh-cost
Conforming $832,750–$1,249,125North Dakota
Conforming $832,750–$1,249,125Ohio
Conforming $832,750–$1,249,125Oklahoma
Conforming $832,750–$1,249,125Oregonhigh-cost
Conforming $832,750–$1,249,125Pennsylvaniahigh-cost
Conforming $832,750–$1,249,125Rhode Islandhigh-cost
Conforming $832,750–$1,249,125South Carolina
Conforming $832,750–$1,249,125South Dakota
Conforming $832,750–$1,249,125Tennesseehigh-cost
Conforming $832,750–$1,249,125Texas
Conforming $832,750–$1,249,125Utahhigh-cost
Conforming $832,750–$1,249,125Vermont
Conforming $832,750–$1,249,125Virginiahigh-cost
Conforming $832,750–$1,249,125Washingtonhigh-cost
Conforming $832,750–$1,249,125West Virginiahigh-cost
Conforming $832,750–$1,249,125Wisconsin
Conforming $832,750–$1,249,125Wyominghigh-cost
Conforming $832,750–$1,249,125District of Columbiahigh-cost
Conforming $832,750–$1,249,125How to read these. The baseline applies to standard-cost counties; high-cost counties fall between the baseline and the ceiling based on local median home values. For an exact county figure, use the official lookups: FHFA county loan-limit lookup · FHA county loan-limit lookup. Educational only — verify current figures before relying on them.