FHA Loan Limits Lookup

2026 FHA Loan Limits by State and County

Search current FHA loan limits by county, compare 1-unit through 4-unit property limits, and understand how local FHA limits may affect your home buying budget.

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Updated for 2026 FHA loan limits

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Includes 1-unit to 4-unit limits

Useful for FHA buyers and multi-unit shoppers

Reviewed by mortgage professional

FHA Loan Limits at a Glance

FHA loan limits vary by county and unit count. Most counties use the national floor, while high-cost markets can reach higher ceilings. Multi-unit limits are higher than 1-unit limits.

1-Unit Floor / Ceiling

$541,287

National floor

$1,249,125

High-cost ceiling

2-Unit Floor / Ceiling

$693,050

National floor

$1,599,375

High-cost ceiling

3-Unit Floor / Ceiling

$837,700

National floor

$1,933,200

High-cost ceiling

4-Unit Floor / Ceiling

$1,041,125

National floor

$2,402,625

High-cost ceiling

Estimate maximum FHA financing range

Compare standard vs high-cost counties

Important for duplex/triplex/fourplex shoppers

Understand county-driven buying power limits

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 County Summary

Alabama

All Other Counties

Standard Area

1-Unit Limit

$541,287

2-Unit Limit

$693,050

3-Unit Limit

$837,700

4-Unit Limit

$1,041,125

This county tier follows the standard FHA floor framework.

Current unit focus: 1-Unit at $541,287

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FHA Loan Limits Table by County and State

Use the FHA loan limits table below to search county-by-county tiers for 1-unit through 4-unit properties.


Alabama	All Other Counties	$541,287	$693,050	$837,700	$1,041,125	Standard
Alaska	All Counties	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost
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
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	All Counties	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost
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 67 county/state tier results.

How FHA Loan Limits Work

County-by-County Variation

FHA loan limits vary by local housing costs and federal frameworks. Counties that qualify as high-cost may use higher limits than standard areas.

FHA Floor vs Ceiling

The FHA floor defines standard market limits, while the FHA high-cost ceiling defines the maximum allowed limits in eligible high-cost counties.

FHA Floor vs High-Cost Areas

Standard counties often use the national floor limits, while high-cost counties can use elevated limits. This page helps you identify which county tier applies and how that may change available FHA financing ranges.

FHA Loan Limits for Multi-Unit Properties

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.

2-Unit Limits

$693,050 - $1,599,375

3-Unit Limits

$837,700 - $1,933,200

4-Unit Limits

$1,041,125 - $2,402,625

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.

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What If the Home Price Is Above the FHA Limit?

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 Loan 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 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 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 the state and county lookup controls on this page, then review the selected county summary and table results.

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 Limits by State

Select a state to jump your lookup module and table filters.

Related FHA Resources

FHA loan requirements and program overview FHA loan calculator for payment planning Down payment planning for first-time buyers FHA vs conventional loan option comparison FHA multi-property and renovation pathways Estimate monthly housing payment range

Where This Data Comes From

2026 FHA floor and high-cost ceiling frameworks (1-4 unit)
HUD/FHA published annual policy references and mortgagee guidance
Compiled into a consumer-friendly county/state lookup format
Updated for 2026 review cycle

Reviewed by mortgage professional

Last updated: March 2026. Educational use only.

FHA loan limits are one component of qualification. Final approval and terms depend on credit, income, debt, property profile, county limits, and lender program guidelines.

County lookup on this page is designed for fast planning and tier identification. Always confirm final county-level details with your lender during application.

Ready to See What Your FHA Loan Limit Means for Your Budget?

County loan limits are only one part of the FHA equation. We can help you estimate buying power using local limits, income, debt, credit profile, and down payment assumptions.

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Educational information only. Actual loan approval depends on credit, income, property, county limits, and program guidelines.