2026 loan limits by state
Look up the 2026 conforming and FHA loan limits for any county. The baseline conforming limit for a one-unit home is $832,750; high-cost counties go up to $1,249,125.
States
| State | Counties | High-cost counties | Highest one-unit conforming limit |
|---|---|---|---|
| Alabama | 67 | 0 | $832,750 |
| Alaska | 30 | 30 | $1,249,125 |
| Arizona | 15 | 0 | $832,750 |
| Arkansas | 75 | 0 | $832,750 |
| California | 58 | 17 | $1,249,125 |
| Colorado | 64 | 20 | $1,249,125 |
| Connecticut | 9 | 3 | $977,500 |
| Delaware | 3 | 0 | $832,750 |
| District of Columbia | 1 | 1 | $1,249,125 |
| Florida | 67 | 1 | $990,150 |
| Georgia | 159 | 0 | $832,750 |
| Hawaii | 5 | 5 | $1,299,500 |
| Idaho | 44 | 1 | $1,249,125 |
| Illinois | 102 | 0 | $832,750 |
| Indiana | 92 | 0 | $832,750 |
| Iowa | 99 | 0 | $832,750 |
| Kansas | 105 | 0 | $832,750 |
| Kentucky | 120 | 0 | $832,750 |
| Louisiana | 64 | 0 | $832,750 |
| Maine | 16 | 0 | $832,750 |
| Maryland | 24 | 5 | $1,249,125 |
| Massachusetts | 14 | 7 | $1,249,125 |
| Michigan | 83 | 0 | $832,750 |
| Minnesota | 87 | 0 | $832,750 |
| Mississippi | 82 | 0 | $832,750 |
| Missouri | 115 | 0 | $832,750 |
| Montana | 56 | 0 | $832,750 |
| Nebraska | 93 | 0 | $832,750 |
| Nevada | 17 | 0 | $832,750 |
| New Hampshire | 10 | 2 | $962,550 |
| New Jersey | 21 | 12 | $1,209,750 |
| New Mexico | 33 | 0 | $832,750 |
| New York | 62 | 10 | $1,209,750 |
| North Carolina | 100 | 0 | $832,750 |
| North Dakota | 53 | 0 | $832,750 |
| Ohio | 88 | 0 | $832,750 |
| Oklahoma | 77 | 0 | $832,750 |
| Oregon | 36 | 0 | $832,750 |
| Pennsylvania | 67 | 1 | $1,209,750 |
| Rhode Island | 5 | 0 | $832,750 |
| South Carolina | 46 | 0 | $832,750 |
| South Dakota | 66 | 0 | $832,750 |
| Tennessee | 95 | 14 | $1,029,250 |
| Texas | 254 | 0 | $832,750 |
| Utah | 29 | 4 | $1,150,000 |
| Vermont | 14 | 0 | $832,750 |
| Virginia | 133 | 18 | $1,249,125 |
| Washington | 39 | 3 | $1,063,750 |
| West Virginia | 55 | 1 | $1,249,125 |
| Wisconsin | 72 | 0 | $832,750 |
| Wyoming | 23 | 1 | $1,249,125 |
Limits for 2026 from HUD’s county files; conforming limits are set by the Federal Housing Finance Agency.