Updated for 2026

2026 FHA Loan Limits

Find FHA mortgage limits for single-family and multi-unit properties in your area

Note: These are the official 2026 FHA loan limits as announced by the FHA. Limits are updated annually and may vary by specific county within each state. Contact us for your exact county limit.

2026 FHA Loan Limits: Complete Guide by State and County

FHA loan limits determine the maximum amount you can borrow with an FHA loan. These limits vary by county and property type, with higher limits in areas with higher housing costs. The limits are updated annually based on median home prices and the House Price Index (HPI).

For 2026, the base FHA loan limit for single-family homes is $520,500 in most U.S. counties. In high-cost areas, the limit can reach up to $1,263,675 for single-family properties. Multi-unit properties (duplex, triplex, fourplex) have proportionally higher limits.

Important: These limits apply to the total loan amount, not just the purchase price. Your down payment is separate. For example, with a 3.5% down payment on a $520,500 home, your FHA loan amount would be approximately $502,283. Learn more about FHA loans.

How to Use This Table:

Use the search bar to find your state quickly
Click column headers to sort by any property type
Filter by "High-Cost Only" to see states with elevated limits
High-cost area limits are shown in red below base limits
Contact us for county-specific limits within each state

Base Limit

Standard Areas

Most U.S. counties use these base limits

$520,500

Single-family home

Duplex: $666,400 | Triplex: $805,900 | Fourplex: $1,001,200

High-Cost

High-Cost Markets

Major metro areas with higher housing costs

$1,263,675

Single-family home

Duplex: $1,617,775 | Triplex: $1,955,525 | Fourplex: $2,430,225

Special

Special Exceptions

Alaska, Hawaii, Guam & U.S. Virgin Islands

$1,263,675

Single-family home

All counties use high-cost limits

Quick State Lookup

Click any state above to jump to it in the table, or use the search bar

2026 FHA Loan Limits by State

Official 2026 limits - Updated annually by FHA

Click column headers to sort

State	Single Family	2-Unit (Duplex)	3-Unit (Triplex)	4-Unit (Fourplex)	High-Cost Areas
Alabama	$520,500	$666,400	$805,900	$1,001,200	Standard
Alaska	$1,263,675	$1,617,775	$1,955,525	$2,430,225	Standard
Arizona	$520,500 Up to $933,000	$666,400 Up to $1,195,000	$805,900 Up to $1,445,000	$1,001,200 Up to $1,796,000	High-Cost
Arkansas	$520,500	$666,400	$805,900	$1,001,200	Standard
California	$520,500 Up to $1,263,675	$666,400 Up to $1,617,775	$805,900 Up to $1,955,525	$1,001,200 Up to $2,430,225	High-Cost
Colorado	$520,500 Up to $933,000	$666,400 Up to $1,195,000	$805,900 Up to $1,445,000	$1,001,200 Up to $1,796,000	High-Cost
Connecticut	$520,500 Up to $933,000	$666,400 Up to $1,195,000	$805,900 Up to $1,445,000	$1,001,200 Up to $1,796,000	High-Cost
Delaware	$520,500	$666,400	$805,900	$1,001,200	Standard
Florida	$520,500 Up to $933,000	$666,400 Up to $1,195,000	$805,900 Up to $1,445,000	$1,001,200 Up to $1,796,000	High-Cost
Georgia	$520,500	$666,400	$805,900	$1,001,200	Standard
Hawaii	$1,263,675	$1,617,775	$1,955,525	$2,430,225	Standard
Idaho	$520,500	$666,400	$805,900	$1,001,200	Standard
Illinois	$520,500 Up to $933,000	$666,400 Up to $1,195,000	$805,900 Up to $1,445,000	$1,001,200 Up to $1,796,000	High-Cost
Indiana	$520,500	$666,400	$805,900	$1,001,200	Standard
Iowa	$520,500	$666,400	$805,900	$1,001,200	Standard
Kansas	$520,500	$666,400	$805,900	$1,001,200	Standard
Kentucky	$520,500	$666,400	$805,900	$1,001,200	Standard
Louisiana	$520,500	$666,400	$805,900	$1,001,200	Standard
Maine	$520,500	$666,400	$805,900	$1,001,200	Standard
Maryland	$520,500 Up to $1,263,675	$666,400 Up to $1,617,775	$805,900 Up to $1,955,525	$1,001,200 Up to $2,430,225	High-Cost
Massachusetts	$520,500 Up to $1,263,675	$666,400 Up to $1,617,775	$805,900 Up to $1,955,525	$1,001,200 Up to $2,430,225	High-Cost
Michigan	$520,500	$666,400	$805,900	$1,001,200	Standard
Minnesota	$520,500	$666,400	$805,900	$1,001,200	Standard
Mississippi	$520,500	$666,400	$805,900	$1,001,200	Standard
Missouri	$520,500	$666,400	$805,900	$1,001,200	Standard
Montana	$520,500	$666,400	$805,900	$1,001,200	Standard
Nebraska	$520,500	$666,400	$805,900	$1,001,200	Standard
Nevada	$520,500 Up to $933,000	$666,400 Up to $1,195,000	$805,900 Up to $1,445,000	$1,001,200 Up to $1,796,000	High-Cost
New Hampshire	$520,500 Up to $933,000	$666,400 Up to $1,195,000	$805,900 Up to $1,445,000	$1,001,200 Up to $1,796,000	High-Cost
New Jersey	$520,500 Up to $1,263,675	$666,400 Up to $1,617,775	$805,900 Up to $1,955,525	$1,001,200 Up to $2,430,225	High-Cost
New Mexico	$520,500	$666,400	$805,900	$1,001,200	Standard
New York	$520,500 Up to $1,263,675	$666,400 Up to $1,617,775	$805,900 Up to $1,955,525	$1,001,200 Up to $2,430,225	High-Cost
North Carolina	$520,500	$666,400	$805,900	$1,001,200	Standard
North Dakota	$520,500	$666,400	$805,900	$1,001,200	Standard
Ohio	$520,500	$666,400	$805,900	$1,001,200	Standard
Oklahoma	$520,500	$666,400	$805,900	$1,001,200	Standard
Oregon	$520,500 Up to $933,000	$666,400 Up to $1,195,000	$805,900 Up to $1,445,000	$1,001,200 Up to $1,796,000	High-Cost
Pennsylvania	$520,500	$666,400	$805,900	$1,001,200	Standard
Rhode Island	$520,500 Up to $933,000	$666,400 Up to $1,195,000	$805,900 Up to $1,445,000	$1,001,200 Up to $1,796,000	High-Cost
South Carolina	$520,500	$666,400	$805,900	$1,001,200	Standard
South Dakota	$520,500	$666,400	$805,900	$1,001,200	Standard
Tennessee	$520,500	$666,400	$805,900	$1,001,200	Standard
Texas	$520,500	$666,400	$805,900	$1,001,200	Standard
Utah	$520,500 Up to $933,000	$666,400 Up to $1,195,000	$805,900 Up to $1,445,000	$1,001,200 Up to $1,796,000	High-Cost
Vermont	$520,500	$666,400	$805,900	$1,001,200	Standard
Virginia	$520,500 Up to $1,263,675	$666,400 Up to $1,617,775	$805,900 Up to $1,955,525	$1,001,200 Up to $2,430,225	High-Cost
Washington	$520,500 Up to $1,263,675	$666,400 Up to $1,617,775	$805,900 Up to $1,955,525	$1,001,200 Up to $2,430,225	High-Cost
West Virginia	$520,500	$666,400	$805,900	$1,001,200	Standard
Wisconsin	$520,500	$666,400	$805,900	$1,001,200	Standard
Wyoming	$520,500	$666,400	$805,900	$1,001,200	Standard

Showing 50 of 50 states

Frequently Asked Questions

How are FHA loan limits determined?

FHA loan limits are based on median home prices in each county and are typically adjusted annually. The limits are set at 65% of the conforming loan limits for conventional mortgages, with special provisions for high-cost areas. Limits are updated each year based on the House Price Index (HPI).

What if I need to borrow more than the FHA limit?

If you need to borrow more than the FHA limit in your area, you might consider a conventional loan or a jumbo loan. Our loan experts can help you explore your options.

When are 2026 FHA loan limits official?

The FHA typically announces official loan limits in late November or early December for the following year. The limits shown here are projections based on the expected 4.46% increase. We'll update this page as soon as official limits are released.

Do FHA loan limits vary by county?

Yes, FHA loan limits can vary by county within the same state. High-cost areas like major metropolitan regions often have higher limits than rural areas. Use our search function or contact us to find the specific limit for your county.

What are the 2026 FHA loan limits for multi-unit properties?

For 2026, projected multi-unit limits are: Duplex: $666,400, Triplex: $805,900, Fourplex: $1,001,200 in standard areas. High-cost areas have higher limits: Duplex: $1,617,775, Triplex: $1,955,525, Fourplex: $2,430,225.

How much did FHA loan limits increase in 2026?

FHA loan limits are projected to increase by approximately 4.46% in 2026. The base limit for single-family homes increased from $498,257 to $520,500, and the high-cost area limit increased from $1,149,825 to $1,263,675.