2026 loan limits in Massachusetts
7 of Massachusetts’s 14 counties are high-cost areas with conforming limits above the $832,750 baseline. The rest use the national limits.
One-unit limits by county
| County | Conforming | FHA |
|---|---|---|
| Barnstable County | $832,750 | $828,000 |
| Berkshire County | $832,750 | $541,287 |
| Bristol County | $832,750 | $787,750 |
| Dukes County | $1,249,125 | $1,249,125 |
| Essex County | $962,550 | $962,550 |
| Franklin County | $832,750 | $541,287 |
| Hampden County | $832,750 | $541,287 |
| Hampshire County | $832,750 | $541,287 |
| Middlesex County | $962,550 | $962,550 |
| Nantucket County | $1,249,125 | $1,249,125 |
| Norfolk County | $962,550 | $962,550 |
| Plymouth County | $962,550 | $962,550 |
| Suffolk County | $962,550 | $962,550 |
| Worcester County | $832,750 | $545,100 |
More for Massachusetts
Limits for 2026 from HUD’s county files; conforming limits are set by the Federal Housing Finance Agency.