2026 loan limits in Michigan
All 83 counties in Michigan use the national baseline: $832,750 for conforming loans and $541,287 for FHA loans on a one-unit home.
One-unit limits by county
| County | Conforming | FHA |
|---|---|---|
| Alcona County | $832,750 | $541,287 |
| Alger County | $832,750 | $541,287 |
| Allegan County | $832,750 | $541,287 |
| Alpena County | $832,750 | $541,287 |
| Antrim County | $832,750 | $541,287 |
| Arenac County | $832,750 | $541,287 |
| Baraga County | $832,750 | $541,287 |
| Barry County | $832,750 | $541,287 |
| Bay County | $832,750 | $541,287 |
| Benzie County | $832,750 | $541,287 |
| Berrien County | $832,750 | $541,287 |
| Branch County | $832,750 | $541,287 |
| Calhoun County | $832,750 | $541,287 |
| Cass County | $832,750 | $541,287 |
| Charlevoix County | $832,750 | $541,287 |
| Cheboygan County | $832,750 | $541,287 |
| Chippewa County | $832,750 | $541,287 |
| Clare County | $832,750 | $541,287 |
| Clinton County | $832,750 | $541,287 |
| Crawford County | $832,750 | $541,287 |
| Delta County | $832,750 | $541,287 |
| Dickinson County | $832,750 | $541,287 |
| Eaton County | $832,750 | $541,287 |
| Emmet County | $832,750 | $541,287 |
| Genesee County | $832,750 | $541,287 |
| Gladwin County | $832,750 | $541,287 |
| Gogebic County | $832,750 | $541,287 |
| Grand Traverse County | $832,750 | $541,287 |
| Gratiot County | $832,750 | $541,287 |
| Hillsdale County | $832,750 | $541,287 |
| Houghton County | $832,750 | $541,287 |
| Huron County | $832,750 | $541,287 |
| Ingham County | $832,750 | $541,287 |
| Ionia County | $832,750 | $541,287 |
| Iosco County | $832,750 | $541,287 |
| Iron County | $832,750 | $541,287 |
| Isabella County | $832,750 | $541,287 |
| Jackson County | $832,750 | $541,287 |
| Kalamazoo County | $832,750 | $541,287 |
| Kalkaska County | $832,750 | $541,287 |
| Kent County | $832,750 | $541,287 |
| Keweenaw County | $832,750 | $541,287 |
| Lake County | $832,750 | $541,287 |
| Lapeer County | $832,750 | $541,287 |
| Leelanau County | $832,750 | $541,287 |
| Lenawee County | $832,750 | $541,287 |
| Livingston County | $832,750 | $541,287 |
| Luce County | $832,750 | $541,287 |
| Mackinac County | $832,750 | $541,287 |
| Macomb County | $832,750 | $541,287 |
| Manistee County | $832,750 | $541,287 |
| Marquette County | $832,750 | $541,287 |
| Mason County | $832,750 | $541,287 |
| Mecosta County | $832,750 | $541,287 |
| Menominee County | $832,750 | $541,287 |
| Midland County | $832,750 | $541,287 |
| Missaukee County | $832,750 | $541,287 |
| Monroe County | $832,750 | $541,287 |
| Montcalm County | $832,750 | $541,287 |
| Montmorency County | $832,750 | $541,287 |
| Muskegon County | $832,750 | $541,287 |
| Newaygo County | $832,750 | $541,287 |
| Oakland County | $832,750 | $541,287 |
| Oceana County | $832,750 | $541,287 |
| Ogemaw County | $832,750 | $541,287 |
| Ontonagon County | $832,750 | $541,287 |
| Osceola County | $832,750 | $541,287 |
| Oscoda County | $832,750 | $541,287 |
| Otsego County | $832,750 | $541,287 |
| Ottawa County | $832,750 | $541,287 |
| Presque Isle County | $832,750 | $541,287 |
| Roscommon County | $832,750 | $541,287 |
| Saginaw County | $832,750 | $541,287 |
| Sanilac County | $832,750 | $541,287 |
| Schoolcraft County | $832,750 | $541,287 |
| Shiawassee County | $832,750 | $541,287 |
| St. Clair County | $832,750 | $541,287 |
| St. Joseph County | $832,750 | $541,287 |
| Tuscola County | $832,750 | $541,287 |
| Van Buren County | $832,750 | $541,287 |
| Washtenaw County | $832,750 | $541,287 |
| Wayne County | $832,750 | $541,287 |
| Wexford County | $832,750 | $541,287 |
More for Michigan
Limits for 2026 from HUD’s county files; conforming limits are set by the Federal Housing Finance Agency.