2026 FHA Loan Limits
Find FHA mortgage limits for single-family and multi-unit properties in your area
Note: These are projected 2026 FHA loan limits based on the FHFA's 3.26% conforming loan limit increase (matching the percentage increase from 2025 to 2026). Official limits will be announced by the FHA. We'll update this page once official limits are released.
Understanding FHA Loan Limits
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.
Base Limits
Standard limits for most U.S. counties
High-Cost Areas
Maximum limits for high-cost markets
Special Exceptions
Alaska, Hawaii, Guam & U.S. Virgin Islands
2026 FHA Loan Limits by State
Projected limits - Official limits pending FHA announcement
| State | Single Family | Duplex | Triplex | Fourplex |
|---|---|---|---|---|
| Alabama | $541,275 | $692,063 | $837,720 | $1,041,138 |
| Alaska | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Arizona | $541,275 | $692,063 | $837,720 | $1,041,138 |
| Arkansas | $541,275 | $692,063 | $837,720 | $1,041,138 |
| California | $541,275 | $692,063 | $837,720 | $1,041,138 |
| Colorado | $541,275 | $692,063 | $837,720 | $1,041,138 |
| Connecticut | $541,275 | $692,063 | $837,720 | $1,041,138 |
| Delaware | $541,275 | $692,063 | $837,720 | $1,041,138 |
| Florida | $541,275 | $692,063 | $837,720 | $1,041,138 |
| Georgia | $541,275 | $692,063 | $837,720 | $1,041,138 |
| Hawaii | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Idaho | $541,275 | $692,063 | $837,720 | $1,041,138 |
| Illinois | $541,275 | $692,063 | $837,720 | $1,041,138 |
| Indiana | $541,275 | $692,063 | $837,720 | $1,041,138 |
| Iowa | $541,275 | $692,063 | $837,720 | $1,041,138 |
| Kansas | $541,275 | $692,063 | $837,720 | $1,041,138 |
| Kentucky | $541,275 | $692,063 | $837,720 | $1,041,138 |
| Louisiana | $541,275 | $692,063 | $837,720 | $1,041,138 |
| Maine | $541,275 | $692,063 | $837,720 | $1,041,138 |
| Maryland | $541,275 | $692,063 | $837,720 | $1,041,138 |
| Massachusetts | $541,275 | $692,063 | $837,720 | $1,041,138 |
| Michigan | $541,275 | $692,063 | $837,720 | $1,041,138 |
| Minnesota | $541,275 | $692,063 | $837,720 | $1,041,138 |
| Mississippi | $541,275 | $692,063 | $837,720 | $1,041,138 |
| Missouri | $541,275 | $692,063 | $837,720 | $1,041,138 |
| Montana | $541,275 | $692,063 | $837,720 | $1,041,138 |
| Nebraska | $541,275 | $692,063 | $837,720 | $1,041,138 |
| Nevada | $541,275 | $692,063 | $837,720 | $1,041,138 |
| New Hampshire | $541,275 | $692,063 | $837,720 | $1,041,138 |
| New Jersey | $541,275 | $692,063 | $837,720 | $1,041,138 |
| New Mexico | $541,275 | $692,063 | $837,720 | $1,041,138 |
| New York | $541,275 | $692,063 | $837,720 | $1,041,138 |
| North Carolina | $541,275 | $692,063 | $837,720 | $1,041,138 |
| North Dakota | $541,275 | $692,063 | $837,720 | $1,041,138 |
| Ohio | $541,275 | $692,063 | $837,720 | $1,041,138 |
| Oklahoma | $541,275 | $692,063 | $837,720 | $1,041,138 |
| Oregon | $541,275 | $692,063 | $837,720 | $1,041,138 |
| Pennsylvania | $541,275 | $692,063 | $837,720 | $1,041,138 |
| Rhode Island | $541,275 | $692,063 | $837,720 | $1,041,138 |
| South Carolina | $541,275 | $692,063 | $837,720 | $1,041,138 |
| South Dakota | $541,275 | $692,063 | $837,720 | $1,041,138 |
| Tennessee | $541,275 | $692,063 | $837,720 | $1,041,138 |
| Texas | $541,275 | $692,063 | $837,720 | $1,041,138 |
| Utah | $541,275 | $692,063 | $837,720 | $1,041,138 |
| Vermont | $541,275 | $692,063 | $837,720 | $1,041,138 |
| Virginia | $541,275 | $692,063 | $837,720 | $1,041,138 |
| Washington | $541,275 | $692,063 | $837,720 | $1,041,138 |
| West Virginia | $541,275 | $692,063 | $837,720 | $1,041,138 |
| Wisconsin | $541,275 | $692,063 | $837,720 | $1,041,138 |
| Wyoming | $541,275 | $692,063 | $837,720 | $1,041,138 |
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 FHFA's 3.26% conforming loan limit 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: $692,063, Triplex: $837,720, Fourplex: $1,041,138 in standard areas. High-cost areas have higher limits: Duplex: $1,599,375, Triplex: $1,933,200, Fourplex: $2,402,625.
How much did FHA loan limits increase in 2026?
FHA loan limits are projected to increase by 3.26% in 2026, matching the FHFA conforming loan limit increase. The base limit for single-family homes increased from $524,225 to $541,275, and the high-cost area limit increased from $1,209,750 to $1,249,125.
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FHA Purchase Loans
Buy your home with just 3.5% down payment and flexible credit requirements.
View GuideFHA Streamline Refinance
Refinance your existing FHA loan with minimal paperwork and no appraisal required.
Learn MoreFHA 203(k) Renovation Loans
Finance both home purchase and renovation costs in a single FHA loan.
Start RenovatingFHA Energy Efficient Mortgage
Fund energy-saving home improvements with your FHA loan financing.
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Calculate your monthly payments, MIP costs, and total loan costs.
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