FHA Loan Limits Lookup

2026 FHA Loan Limits by State and County

Name: 2026 FHA Loan Limits Planning Dataset
Creator: National Mortgage Center

Search current FHA loan limit tiers by state, compare 1-unit through 4-unit property limits, and use HUD source links to verify your exact county limit.

State

County or State Search

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Find My Limit Tier Talk to an FHA Specialist Check My FHA Buying Power

Updated for 2026 FHA loan limits

Search by state and county tier

Includes 1-unit to 4-unit limits

Special exception areas included

Useful for FHA buyers and multi-unit shoppers

Reviewed by mortgage professional

2026 FHA Loan Limits at a Glance

FHA loan limits vary by county, unit count, and special statutory area. Most counties use the national floor, high-cost markets can reach higher ceilings, and Alaska, Hawaii, Guam, and the U.S. Virgin Islands can use special exception maximums.

Most Areas Floor

The baseline FHA limit used in most U.S. counties.

1-Unit

$541,287

2-Unit

$693,050

3-Unit

$837,700

4-Unit

$1,041,125

High-Cost Ceiling

The maximum standard high-cost FHA limit.

1-Unit

$1,249,125

2-Unit

$1,599,375

3-Unit

$1,933,200

4-Unit

$2,402,625

Special Exception Areas

Higher maximums for Alaska, Hawaii, Guam, and the U.S. Virgin Islands.

1-Unit

$1,873,687

2-Unit

$2,399,050

3-Unit

$2,899,800

4-Unit

$3,603,925

Estimate maximum FHA financing range

Compare standard vs high-cost counties

Important for duplex/triplex/fourplex shoppers

Understand county-driven buying power limits

Interactive FHA Planning Tool

FHA Limit Buying Power Estimator

Use the sliders to compare a target purchase price and down payment against the FHA limit tier you selected. FHA loan limits cap the insured loan amount, not necessarily the purchase price.

Change Selected Area

Target Purchase Price

Move the slider to model the home price you are considering.

$150,000$4,000,000

Down Payment

Estimated down payment: $22,750

3.5%30%

Property Unit Count

Multi-unit FHA limits are higher, but owner-occupancy rules still apply.

Limit Tier to Compare

Use the selected lookup area, or jump between common FHA limit tiers.

Above This FHA Limit Tier

$85,963 above the selected limit

Comparing a 1-unit base loan estimate against Alabama Standard.

Estimated Base Loan

$627,250

Before upfront FHA mortgage insurance.

Selected FHA Limit

$541,287

1-Unit limit used for this estimate.

Down Payment

$22,750

3.5% of purchase price.

Estimated Max Price

$560,919

At the current down payment assumption.

Loan amount vs selected limit116%

To fit this tier, increase the down payment by about $85,963, reduce the price, or compare another loan option.

Review My FHA Scenario Estimate Monthly Payment

What If the Home Price Is Above the FHA Loan Limit?

The FHA limit caps the base insured loan amount, not always the purchase price. If the home price is above the county limit, the buyer usually needs a larger down payment, a lower purchase price, or a different loan program.

Standard county example

1-unit FHA floor

Target purchase price$600,000

FHA limit used$541,287

Approx. extra down payment$58,713

In a floor county, a $600,000 purchase would need enough down payment to keep the FHA base loan at or below the local limit.

High-cost county example

1-unit high-cost ceiling

Target purchase price$1,325,000

FHA limit used$1,249,125

Approx. extra down payment$75,875

In a high-cost county, the higher ceiling can support a larger purchase before another loan type or more cash is needed.

Special exception example

1-unit special exception maximum

Target purchase price$2,000,000

FHA limit used$1,873,687

Approx. extra down payment$126,313

Special exception areas can go higher, but final county limits still need HUD verification.

What This FHA Loan Limits Page Helps You Do

Find your county FHA loan limit tier

Compare 1-unit to 4-unit limits

Understand floor vs high-cost frameworks

See how limits may affect buying power

Take the next FHA step with confidence

What Are FHA Loan Limits?

FHA loan limits are the maximum loan amounts allowed for FHA-insured mortgages in a given county. Limits vary by county and property unit count. Higher-cost counties can have larger limits than standard-cost counties, and 2-4 unit properties have higher limits than 1-unit homes.

Selected FHA Limit Tier Summary

Choose a row from the table below to see a focused FHA limit tier summary here.

FHA Loan Limits Table by State and County Tier

Use the FHA loan limits table below to compare state planning tiers for 1-unit through 4-unit properties, then verify exact county limits with HUD before applying.

2026 FHA loan limit planning tiers by state, area type, and property unit count

Alabama	All Other Counties	$541,287	$693,050	$837,700	$1,041,125	Standard
Alaska	Special Exception Area Limits (verify by county)	$1,873,687	$2,399,050	$2,899,800	$3,603,925	Special Exception
Arizona	All Other Counties	$541,287	$693,050	$837,700	$1,041,125	Standard
Arizona	High-Cost Counties (varies)	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost
Arkansas	All Other Counties	$541,287	$693,050	$837,700	$1,041,125	Standard
California	All Other Counties	$541,287	$693,050	$837,700	$1,041,125	Standard
California	High-Cost Counties (varies)	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost
Colorado	All Other Counties	$541,287	$693,050	$837,700	$1,041,125	Standard
Colorado	High-Cost Counties (varies)	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost
Connecticut	All Other Counties	$541,287	$693,050	$837,700	$1,041,125	Standard
Connecticut	High-Cost Counties (varies)	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost
Delaware	All Other Counties	$541,287	$693,050	$837,700	$1,041,125	Standard
District of Columbia	All Counties	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost
Florida	All Other Counties	$541,287	$693,050	$837,700	$1,041,125	Standard
Florida	High-Cost Counties (varies)	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost
Georgia	All Other Counties	$541,287	$693,050	$837,700	$1,041,125	Standard
Hawaii	Special Exception Area Limits (verify by county)	$1,873,687	$2,399,050	$2,899,800	$3,603,925	Special Exception
Idaho	All Other Counties	$541,287	$693,050	$837,700	$1,041,125	Standard
Illinois	All Other Counties	$541,287	$693,050	$837,700	$1,041,125	Standard
Illinois	High-Cost Counties (varies)	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost
Indiana	All Other Counties	$541,287	$693,050	$837,700	$1,041,125	Standard
Iowa	All Other Counties	$541,287	$693,050	$837,700	$1,041,125	Standard
Kansas	All Other Counties	$541,287	$693,050	$837,700	$1,041,125	Standard
Kentucky	All Other Counties	$541,287	$693,050	$837,700	$1,041,125	Standard
Louisiana	All Other Counties	$541,287	$693,050	$837,700	$1,041,125	Standard
Maine	All Other Counties	$541,287	$693,050	$837,700	$1,041,125	Standard
Maryland	All Other Counties	$541,287	$693,050	$837,700	$1,041,125	Standard
Maryland	High-Cost Counties (varies)	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost
Massachusetts	All Other Counties	$541,287	$693,050	$837,700	$1,041,125	Standard
Massachusetts	High-Cost Counties (varies)	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost
Michigan	All Other Counties	$541,287	$693,050	$837,700	$1,041,125	Standard
Minnesota	All Other Counties	$541,287	$693,050	$837,700	$1,041,125	Standard
Mississippi	All Other Counties	$541,287	$693,050	$837,700	$1,041,125	Standard
Missouri	All Other Counties	$541,287	$693,050	$837,700	$1,041,125	Standard
Montana	All Other Counties	$541,287	$693,050	$837,700	$1,041,125	Standard
Nebraska	All Other Counties	$541,287	$693,050	$837,700	$1,041,125	Standard
Nevada	All Other Counties	$541,287	$693,050	$837,700	$1,041,125	Standard
Nevada	High-Cost Counties (varies)	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost
New Hampshire	All Other Counties	$541,287	$693,050	$837,700	$1,041,125	Standard
New Hampshire	High-Cost Counties (varies)	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost
New Jersey	All Other Counties	$541,287	$693,050	$837,700	$1,041,125	Standard
New Jersey	High-Cost Counties (varies)	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost
New Mexico	All Other Counties	$541,287	$693,050	$837,700	$1,041,125	Standard
New York	All Other Counties	$541,287	$693,050	$837,700	$1,041,125	Standard
New York	High-Cost Counties (varies)	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost
North Carolina	All Other Counties	$541,287	$693,050	$837,700	$1,041,125	Standard
North Dakota	All Other Counties	$541,287	$693,050	$837,700	$1,041,125	Standard
Ohio	All Other Counties	$541,287	$693,050	$837,700	$1,041,125	Standard
Oklahoma	All Other Counties	$541,287	$693,050	$837,700	$1,041,125	Standard
Oregon	All Other Counties	$541,287	$693,050	$837,700	$1,041,125	Standard
Oregon	High-Cost Counties (varies)	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost
Pennsylvania	All Other Counties	$541,287	$693,050	$837,700	$1,041,125	Standard
Rhode Island	All Other Counties	$541,287	$693,050	$837,700	$1,041,125	Standard
Rhode Island	High-Cost Counties (varies)	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost
South Carolina	All Other Counties	$541,287	$693,050	$837,700	$1,041,125	Standard
South Dakota	All Other Counties	$541,287	$693,050	$837,700	$1,041,125	Standard
Tennessee	All Other Counties	$541,287	$693,050	$837,700	$1,041,125	Standard
Texas	All Other Counties	$541,287	$693,050	$837,700	$1,041,125	Standard
Utah	All Other Counties	$541,287	$693,050	$837,700	$1,041,125	Standard
Utah	High-Cost Counties (varies)	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost
Vermont	All Other Counties	$541,287	$693,050	$837,700	$1,041,125	Standard
Virginia	All Other Counties	$541,287	$693,050	$837,700	$1,041,125	Standard
Virginia	High-Cost Counties (varies)	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost
Washington	All Other Counties	$541,287	$693,050	$837,700	$1,041,125	Standard
Washington	High-Cost Counties (varies)	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost
West Virginia	All Other Counties	$541,287	$693,050	$837,700	$1,041,125	Standard
Wisconsin	All Other Counties	$541,287	$693,050	$837,700	$1,041,125	Standard
Wyoming	All Other Counties	$541,287	$693,050	$837,700	$1,041,125	Standard

Showing 68 county/state tier results.

How FHA Loan Limits Are Calculated in 2026

FHA loan limits are not arbitrary. HUD sets them each year using the national conforming loan limit from FHFA, local county or MSA home-price data, and special statutory rules for higher-cost construction areas.

FHA Floor Formula

The FHA floor for a 1-unit property is 65% of the national conforming baseline.

65% × $832,750 = $541,287

High-Cost Ceiling Formula

The high-cost ceiling can reach 150% of the same baseline in eligible counties.

150% × $832,750 = $1,249,125

County Median Price Test

If 115% of a county or MSA median home price falls between the floor and ceiling, HUD may set that local FHA limit between the two instead of using the national floor.

That is why nearby counties can have different FHA limits even in the same state.

Why Alaska, Hawaii, Guam, and the U.S. Virgin Islands Are Different

FHA special exception areas can use higher maximums to account for elevated construction costs. For 2026, the 1-unit special exception maximum is $1,873,687.

How Multi-Unit Limits Fit In

FHA publishes separate 2-unit, 3-unit, and 4-unit limits. Those higher limits help owner-occupants buy small multifamily properties, but FHA occupancy and underwriting rules still apply.

How to Verify Your Exact County Limit on HUD

This page is designed for fast planning. For final underwriting and county-level confirmation, use HUD's official FHA mortgage limits lookup before making an offer or locking loan terms.

1Open HUD's FHA mortgage limits lookup and choose the current limit year.
2Select FHA Forward, then enter the property state and county.
3Match the result to the property unit count: 1-unit, 2-unit, 3-unit, or 4-unit.

Verify Limits on HUD

Why Official Verification Matters

Some states include a mix of standard and high-cost counties, and special exception areas may have elevated maximums because of higher construction costs.

Your lender will still review income, debt, credit, property type, occupancy, taxes, insurance, and FHA mortgage insurance when determining buying power.

Planning tip: use this page to narrow your range, then confirm the exact county number during pre-approval.

FHA Floor vs High-Cost Areas

Standard counties often use the national floor limits, while high-cost counties can use elevated limits. Special exception areas can have even higher maximums. This page helps you identify which planning tier may apply and how that can change available FHA financing ranges.

Using FHA Loan Limits for Duplexes, Triplexes, and Fourplexes

Duplex, triplex, and fourplex limits are higher than 1-unit limits. This is important for owner-occupant house hacking scenarios and multi-unit FHA planning because FHA generally requires you to live in one of the units as your primary residence.

2-Unit Limits

$693,050 - $2,399,050

Floor through special exception maximum

3-Unit Limits

$837,700 - $2,899,800

Floor through special exception maximum

4-Unit Limits

$1,041,125 - $3,603,925

Floor through special exception maximum

Owner-Occupancy Is Required

FHA financing is for primary residences. With a 2-4 unit property, that usually means living in one unit while renting the others.

Rental Income May Help

Lenders may consider eligible rental income from additional units, subject to appraisal, documentation, reserves, and underwriting guidelines.

House Hacking Context

FHA 2-4 unit limits can make a small multifamily property possible with a lower down payment than many conventional investment-property scenarios.

How FHA Loan Limits Affect Buying Power

County FHA loan limits are one piece of the puzzle. Buying power also depends on your income, debt, credit profile, down payment, taxes, insurance, and lender underwriting standards.

Found Your County FHA Loan Limit? Let's Estimate What You May Qualify For Next.

Your county limit is a starting point. We can help you model down payment and monthly payment options around your target price and local FHA limit tier.

Get My FHA Estimate Check My Buying Power Talk to an FHA Specialist

What If the Home Price Is Above the FHA Limit?

FHA loan limits cap the insured loan amount, not necessarily the purchase price. If the property price is above the local FHA limit, the gap usually has to be covered through a larger down payment, a lower purchase price, or a different loan program.

Consider a larger down payment scenario
Compare conventional loan options for higher price points
Review county and property strategy with an FHA specialist

FHA Loan Limits vs Conventional Conforming Limits

FHA and conventional programs use different rule frameworks. If your scenario approaches county cap thresholds, reviewing both options can improve financing flexibility.

FHA loan limits compared with conventional conforming loan limits
Comparison Point	FHA	Conventional Conforming
Primary limit source	HUD/FHA annual mortgage limits	FHFA conforming loan limits
2026 1-unit baseline	$541,287	$832,750
2026 high-cost ceiling	$1,249,125	$1,249,125
Down payment tendency	Often 3.5% minimum with qualifying credit	Often 3% to 5%+ depending on program
Mortgage insurance	Upfront and annual FHA mortgage insurance	Private mortgage insurance may be cancellable
Often best fit for	Flexible credit/down payment scenarios	Stronger credit, larger down payment, or higher price points

Compare Conventional Loans Review Jumbo Loan Options

FHA Loan Limits FAQ

What are FHA loan limits?

FHA loan limits are the maximum loan amounts allowed for FHA-insured mortgages in a specific area. Limits vary by county and by property unit count.

Why do FHA loan limits vary by county?

Limits are tied to local home prices and federal policy. Higher-cost areas may receive higher limits than standard-cost counties.

What is the 2026 FHA loan limit for a 1-unit property?

The 2026 FHA 1-unit floor is $541,287 and the high-cost ceiling is $1,249,125.

What are FHA limits for 2-unit, 3-unit, and 4-unit homes?

2026 floors are $693,050 (2-unit), $837,700 (3-unit), and $1,041,125 (4-unit). High-cost ceilings are $1,599,375, $1,933,200, and $2,402,625.

What are the FHA special exception area limits?

Alaska, Hawaii, Guam, and the U.S. Virgin Islands can have higher FHA maximums because FHA adjusts those areas for higher construction costs. In 2026, the special exception maximum is $1,873,687 for 1-unit properties and $3,603,925 for 4-unit properties.

What is the difference between the FHA floor and FHA ceiling?

The floor is the standard minimum county limit framework. The ceiling is the maximum limit used for qualifying high-cost markets.

How do I find the FHA loan limit for my county?

Use this planning lookup to narrow the state and county tier, then confirm the exact county limit in HUD’s FHA mortgage limits tool using the current year, FHA Forward program, state, and county.

Can I buy a duplex or fourplex with an FHA loan?

Yes, if you meet FHA occupancy and underwriting rules, including living in one unit as your primary residence.

Does the FHA loan limit determine how much I can afford?

No. Loan limits are one constraint. Affordability and approval also depend on income, debt, credit, down payment, taxes, insurance, and lender guidelines.

What if the home price is above the FHA loan limit?

You may need a larger down payment, another financing structure, or a different program such as conventional financing depending on your scenario.

Are FHA limits the same as conventional conforming limits?

No. FHA and conventional conforming programs have different policy frameworks and limit calculations.

Do FHA loan limits change every year?

They are generally reviewed and updated annually based on federal housing market data and policy updates.

Can I still qualify for FHA if I am below the county limit?

Being below the limit helps eligibility from a loan-size perspective, but final approval still depends on full underwriting.

Browse FHA Loan Limit State Guides

Use the state guides for local FHA limit context, high-cost notes, buyer planning guidance, and links back to the live lookup filtered for that state.

Mixed/high-cost context