What are the loan limits in each state?
| State | Counties | High-cost counties | Max conforming (1 unit) | FHA range (1 unit) |
|---|---|---|---|---|
| Alabama | 67 | 0 | $832,750 | $541,287–$541,287 |
| Alaska | 30 | 30 | $1,249,125 | $541,287–$596,850 |
| Arizona | 15 | 0 | $832,750 | $541,287–$609,500 |
| Arkansas | 75 | 0 | $832,750 | $541,287–$541,287 |
| California | 58 | 17 | $1,249,125 | $541,287–$1,249,125 |
| Colorado | 64 | 20 | $1,249,125 | $541,287–$1,249,125 |
| Connecticut | 9 | 3 | $977,500 | $541,287–$977,500 |
| Delaware | 3 | 0 | $832,750 | $541,287–$630,200 |
| District of Columbia | 1 | 1 | $1,249,125 | $1,249,125–$1,249,125 |
| Florida | 67 | 1 | $990,150 | $541,287–$990,150 |
| Georgia | 159 | 0 | $832,750 | $541,287–$718,750 |
| Hawaii | 5 | 5 | $1,299,500 | $586,500–$1,299,500 |
| Idaho | 44 | 1 | $1,249,125 | $541,287–$1,249,125 |
| Illinois | 102 | 0 | $832,750 | $541,287–$541,287 |
| Indiana | 92 | 0 | $832,750 | $541,287–$541,287 |
| Iowa | 99 | 0 | $832,750 | $541,287–$541,287 |
| Kansas | 105 | 0 | $832,750 | $541,287–$541,287 |
| Kentucky | 120 | 0 | $832,750 | $541,287–$541,287 |
| Louisiana | 64 | 0 | $832,750 | $541,287–$541,287 |
| Maine | 16 | 0 | $832,750 | $541,287–$615,250 |
| Maryland | 24 | 5 | $1,249,125 | $541,287–$1,249,125 |
| Massachusetts | 14 | 7 | $1,249,125 | $541,287–$1,249,125 |
| Michigan | 83 | 0 | $832,750 | $541,287–$541,287 |
| Minnesota | 87 | 0 | $832,750 | $541,287–$552,000 |
| Mississippi | 82 | 0 | $832,750 | $541,287–$541,287 |
| Missouri | 115 | 0 | $832,750 | $541,287–$541,287 |
| Montana | 56 | 0 | $832,750 | $541,287–$754,400 |
| Nebraska | 93 | 0 | $832,750 | $541,287–$603,750 |
| Nevada | 17 | 0 | $832,750 | $541,287–$736,000 |
| New Hampshire | 10 | 2 | $962,550 | $541,287–$962,550 |
| New Jersey | 21 | 12 | $1,209,750 | $541,287–$1,249,125 |
| New Mexico | 33 | 0 | $832,750 | $541,287–$692,300 |
| New York | 62 | 10 | $1,209,750 | $541,287–$1,249,125 |
| North Carolina | 100 | 0 | $832,750 | $541,287–$805,000 |
| North Dakota | 53 | 0 | $832,750 | $541,287–$541,287 |
| Ohio | 88 | 0 | $832,750 | $541,287–$591,100 |
| Oklahoma | 77 | 0 | $832,750 | $541,287–$541,287 |
| Oregon | 36 | 0 | $832,750 | $541,287–$762,450 |
| Pennsylvania | 67 | 1 | $1,209,750 | $541,287–$630,200 |
| Rhode Island | 5 | 0 | $832,750 | $787,750–$787,750 |
| South Carolina | 46 | 0 | $832,750 | $541,287–$690,000 |
| South Dakota | 66 | 0 | $832,750 | $541,287–$541,650 |
| Tennessee | 95 | 14 | $1,029,250 | $541,287–$1,029,250 |
| Texas | 254 | 0 | $832,750 | $541,287–$813,050 |
| Utah | 29 | 4 | $1,150,000 | $541,287–$1,163,800 |
| Vermont | 14 | 0 | $832,750 | $541,287–$575,000 |
| Virginia | 133 | 18 | $1,249,125 | $541,287–$1,249,125 |
| Washington | 39 | 3 | $1,063,750 | $541,287–$1,063,750 |
| West Virginia | 55 | 1 | $1,249,125 | $541,287–$1,249,125 |
| Wisconsin | 72 | 0 | $832,750 | $541,287–$552,000 |
| Wyoming | 23 | 1 | $1,249,125 | $541,287–$1,249,125 |
Why do loan limits matter for home buyers?
Conforming limits decide whether your mortgage can be bought by Fannie Mae or Freddie Mac. Stay under the limit and you get standard conventional pricing with as little as 3% down; go over it and you need a jumbo loan. FHA limits cap the base loan HUD will insure, which caps the price you can buy with 3.5% down.
Frequently asked questions
Sources
Data last updated October 23, 2026.
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