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Indiana loan limits for 2026

Quick answer

In 2026, the single-family conforming loan limit in Indiana is $832,750 in every county, and FHA limits are $541,287 statewide. None of its 92 counties are designated high-cost areas. Look up your county below for official 1–4 unit limits from FHFA and HUD.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

What are the loan limits in each Indiana county?

CountyConforming (1 unit)FHA (1 unit)FHA (2 units)Median home value
Adams County$832,750$541,287$693,050$173,100
Allen County$832,750$541,287$693,050$194,300
Bartholomew County$832,750$541,287$693,050$221,100
Benton County$832,750$541,287$693,050$135,400
Blackford County$832,750$541,287$693,050$96,700
Boone County$832,750$541,287$693,050$341,800
Brown County$832,750$541,287$693,050$242,500
Carroll County$832,750$541,287$693,050$167,700
Cass County$832,750$541,287$693,050$118,700
Clark County$832,750$541,287$693,050$212,400
Clay County$832,750$541,287$693,050$128,900
Clinton County$832,750$541,287$693,050$157,300
Crawford County$832,750$541,287$693,050$115,400
Daviess County$832,750$541,287$693,050$187,500
Dearborn County$832,750$541,287$693,050$227,100
Decatur County$832,750$541,287$693,050$189,900
DeKalb County$832,750$541,287$693,050$177,900
Delaware County$832,750$541,287$693,050$127,600
Dubois County$832,750$541,287$693,050$212,500
Elkhart County$832,750$541,287$693,050$194,400
Fayette County$832,750$541,287$693,050$114,800
Floyd County$832,750$541,287$693,050$235,100
Fountain County$832,750$541,287$693,050$133,200
Franklin County$832,750$541,287$693,050$236,700
Fulton County$832,750$541,287$693,050$144,700
Gibson County$832,750$541,287$693,050$170,500
Grant County$832,750$541,287$693,050$116,000
Greene County$832,750$541,287$693,050$129,900
Hamilton County$832,750$541,287$693,050$379,100
Hancock County$832,750$541,287$693,050$258,100
Harrison County$832,750$541,287$693,050$219,200
Hendricks County$832,750$541,287$693,050$281,500
Henry County$832,750$541,287$693,050$140,200
Howard County$832,750$541,287$693,050$151,500
Huntington County$832,750$541,287$693,050$146,400
Jackson County$832,750$541,287$693,050$174,500
Jasper County$832,750$541,287$693,050$204,400
Jay County$832,750$541,287$693,050$110,100
Jefferson County$832,750$541,287$693,050$180,600
Jennings County$832,750$541,287$693,050$154,600
Johnson County$832,750$541,287$693,050$260,400
Knox County$832,750$541,287$693,050$123,500
Kosciusko County$832,750$541,287$693,050$200,300
LaGrange County$832,750$541,287$693,050$249,500
Lake County$832,750$541,287$693,050$214,700
LaPorte County$832,750$541,287$693,050$180,700
Lawrence County$832,750$541,287$693,050$164,500
Madison County$832,750$541,287$693,050$147,700
Marion County$832,750$541,287$693,050$207,000
Marshall County$832,750$541,287$693,050$184,500
Martin County$832,750$541,287$693,050$150,400
Miami County$832,750$541,287$693,050$118,000
Monroe County$832,750$541,287$693,050$261,700
Montgomery County$832,750$541,287$693,050$166,300
Morgan County$832,750$541,287$693,050$220,100
Newton County$832,750$541,287$693,050$159,300
Noble County$832,750$541,287$693,050$183,400
Ohio County$832,750$541,287$693,050$193,500
Orange County$832,750$541,287$693,050$143,900
Owen County$832,750$541,287$693,050$162,400
Parke County$832,750$541,287$693,050$139,300
Perry County$832,750$541,287$693,050$146,000
Pike County$832,750$541,287$693,050$128,400
Porter County$832,750$541,287$693,050$261,900
Posey County$832,750$541,287$693,050$218,000
Pulaski County$832,750$541,287$693,050$134,600
Putnam County$832,750$541,287$693,050$205,800
Randolph County$832,750$541,287$693,050$106,000
Ripley County$832,750$541,287$693,050$205,300
Rush County$832,750$541,287$693,050$155,900
Scott County$832,750$541,287$693,050$145,400
Shelby County$832,750$541,287$693,050$188,300
Spencer County$832,750$541,287$693,050$180,200
St. Joseph County$832,750$541,287$693,050$179,800
Starke County$832,750$541,287$693,050$148,400
Steuben County$832,750$541,287$693,050$204,300
Sullivan County$832,750$541,287$693,050$122,200
Switzerland County$832,750$541,287$693,050$183,200
Tippecanoe County$832,750$541,287$693,050$217,600
Tipton County$832,750$541,287$693,050$166,000
Union County$832,750$541,287$693,050$162,200
Vanderburgh County$832,750$541,287$693,050$172,300
Vermillion County$832,750$541,287$693,050$109,500
Vigo County$832,750$541,287$693,050$140,400
Wabash County$832,750$541,287$693,050$143,600
Warren County$832,750$541,287$693,050$160,000
Warrick County$832,750$541,287$693,050$228,900
Washington County$832,750$541,287$693,050$162,400
Wayne County$832,750$541,287$693,050$126,100
Wells County$832,750$541,287$693,050$180,000
White County$832,750$541,287$693,050$163,000
Whitley County$832,750$541,287$693,050$205,200

Which Indiana counties are high-cost areas?

No Indiana county is above the national baseline, so the conforming limit is $832,750 statewide.

Largest cities in Indiana

IndianapolisFort WayneEvansvilleSouth BendFishersCarmelBloomingtonHammondNoblesvilleLafayetteGaryMuncie

Frequently asked questions

FHA one-unit limits in Indiana start at $541,287. In Marion County, the most populous county, it's $541,287.

The 2026 one-unit conforming limit in Marion County is $832,750.

With 3.5% down, the $541,287 FHA floor supports a price of about $560,000. Higher-limit counties allow more.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.