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2026 FHA Loan Limits By County

FHA loans are designed to make homeownership more accessible, but they have limits on how much you can borrow. Use this tool to search for a location to see its 2026 FHA loan limit by property size.

Find The FHA Loan Limit For Your Area

    • FHA Loan Limits for: Most Locations
      Single Family
      $541,287
      Duplex
      $671,200
      Triplex
      $811,275
      Quadplex
      $1,008,300
    • Get your FHA quote
In most areas the 2026 FHA loan limit for a single-family home is $541,287. High-cost counties can be as high as $1,249,125.

How FHA Loan Limits Work

Limits on FHA loan amounts depend on two main factors: location and property size.

Homes with two, three, or four units (often called FHA multifamily homes) have higher loan limits than single-family homes. FHA loans aren't available for properties with more than four units.

Loan limits also vary by location. In higher-cost housing markets, limits are higher to reflect local home prices. Buyers in Alaska, Hawaii, Guam, and the U.S. Virgin Islands typically have the highest limits, as these are considered "special exception areas."

2026 Base Loan Limits by Area and Property Type

Number of units in the property FHA loan limit in most areas FHA loan limit in high-cost markets FHA loan limit in Alaska, Hawaii, Guam, and the U.S. Virgin Islands*
One $541,287 $1,249,125 $1,873,675
Two $693,050 $1,599,375 $2,399,050
Three $837,700 $1,933,200 $2,899,800
Four $1,041,125 $2,402,625 $3,603,900

* Requires adjustment directly from FHA, and cannot be given by the lender.

HECM Loan Limits

The FHA also manages the Home Equity Conversion Mortgage program (HECM). These reverse mortgages allow seniors to tap their home equity, and they have limits that differ from traditional FHA loans.

Like FHA loan limits, HECM loan limits change annually. For 2026, the HECM loan limit is $1,249,125 across all markets, states, and territories.

How FHA Loan Limits Are Calculated

FHA loan limits are based on conforming loan limits set each year by the Federal Housing Finance Agency (FHFA).

For a one-unit property in 2026, the conforming loan limit is $832,750. FHA uses a percentage of that number to set limits in different markets.

The calculations for each market type are broken down below:

Market Type Percentage of conforming loan limit
Most areas 65%
High-cost areas 150%
Special exception areas 225%

For example, to calculate the basic limit for a one-unit property in most areas, FHA would multiply the 2026 conforming loan limit of $832,750 by 0.65. That gives the majority of single-family homebuyers an FHA loan limit of $541,287.

FHA Jumbo Loans

FHA "jumbo" loans refer to loan amounts that fall between the standard limit (the "floor") and the maximum allowed in higher-cost areas (the "ceiling").

In 2026, that range can fall between $541,287 and $1,249,125 for a one-unit property, depending on location.

These loans can be helpful if home prices in your area are higher than average or if your offer ends up above the standard limit.

What To Do If You Need More Than the FHA Loan Limit

Pursuing an FHA jumbo loan is one option if the FHA loan limit for your area just isn't enough. But there are other options, too.

If the FHA loan limit is too small to work for your buying or refinancing goals, you can:

  • Seek out a house under the FHA loan limit: Look around for other neighborhoods and areas you might be willing to buy in and see if you can find more affordable prices. You can also opt for a smaller home, as this could reduce the price you pay as well.
  • Increase your down payment: By putting more down, you'll need to borrow less from your lender. This could reduce your loan amount enough to fall below the FHA loan limit.
  • Opt for a conventional loan: These have higher loan limits than FHA loans. The conventional loan limit is currently $832,750 for a single-home property in most areas. Traditional jumbo loans can also be an option.

There are lots of mortgage loan options out there, so if an FHA loan doesn't fit the bill, talk to a loan specialist. They can help you weigh your options and pick the best loan program for your needs.

FHA Loan Limits vs. Conforming Loan Limits

FHA and conventional loans follow different limit guidelines.

Conventional loans typically allow for higher loan amounts, which can be helpful in more expensive markets. FHA loans, on the other hand, are often more flexible when it comes to credit and down payment.

The right option depends on your full financial picture, not just the loan limit.

Frequently Asked Questions About FHA Loan Limits

What is the maximum FHA loan limit?

The maximum FHA loan limits depend on your location and how many units are on your property. The 2026 FHA loan limit ranges from $541,287 to $1,249,125 for a one-unit property.

How often do FHA loan limits change?

FHA loan limits change annually and are adjusted based on median home prices. The U.S. Department of Housing and Urban Development (HUD) usually announces the following year's FHA loan limits in November.

Will FHA loan limits increase in 2027?

It is very likely that FHA loan limits will increase in 2027, given current market conditions such as elevated home prices and HUD's consistent history of annual limit adjustments.

How are FHA loan limits calculated?

FHA loan limits are based on the conforming loan limit set by the Federal Housing Finance Agency. In most areas, the FHA loan limit is 65% of the conforming loan limit, currently at $832,750. However, to account for differences in affordability, certain high-cost areas may have a higher limit.

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