What are the loan limits in each Maine county?
| County | Conforming (1 unit) | FHA (1 unit) | FHA (2 units) | Median home value |
|---|---|---|---|---|
| Androscoggin County | $832,750 | $541,287 | $693,050 | $232,000 |
| Aroostook County | $832,750 | $541,287 | $693,050 | $131,700 |
| Cumberland County | $832,750 | $615,250 | $787,650 | $411,400 |
| Franklin County | $832,750 | $541,287 | $693,050 | $176,700 |
| Hancock County | $832,750 | $541,287 | $693,050 | $278,400 |
| Kennebec County | $832,750 | $541,287 | $693,050 | $219,900 |
| Knox County | $832,750 | $541,287 | $693,050 | $290,800 |
| Lincoln County | $832,750 | $541,287 | $693,050 | $306,200 |
| Oxford County | $832,750 | $541,287 | $693,050 | $192,300 |
| Penobscot County | $832,750 | $541,287 | $693,050 | $193,800 |
| Piscataquis County | $832,750 | $541,287 | $693,050 | $153,300 |
| Sagadahoc County | $832,750 | $615,250 | $787,650 | $300,200 |
| Somerset County | $832,750 | $541,287 | $693,050 | $155,200 |
| Waldo County | $832,750 | $541,287 | $693,050 | $239,100 |
| Washington County | $832,750 | $541,287 | $693,050 | $147,100 |
| York County | $832,750 | $615,250 | $787,650 | $357,200 |
Which Maine counties are high-cost areas?
No Maine county is above the national baseline, so the conforming limit is $832,750 statewide.
Largest cities in Maine
Frequently asked questions
FHA one-unit limits in Maine start at $541,287. In Cumberland County, the most populous county, it's $615,250.
The 2026 one-unit conforming limit in Cumberland 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
- FHFA — 2026 Conforming Loan Limit Values
- HUD — 2026 FHA Forward Mortgage Limits (county file)
- U.S. Census Bureau — ACS 2019–2023 5-Year Estimates
Data last updated October 23, 2026.
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