What are the loan limits in each Massachusetts county?
| County | Conforming (1 unit) | FHA (1 unit) | FHA (2 units) | Median home value |
|---|---|---|---|---|
| Barnstable County | $832,750 | $828,000 | $1,060,000 | $575,900 |
| Berkshire County | $832,750 | $541,287 | $693,050 | $283,800 |
| Bristol County | $832,750 | $787,750 | $1,008,450 | $421,800 |
| Dukes County | $1,249,125 | $1,249,125 | $1,599,375 | $1,104,100 |
| Essex County | $962,550 | $962,550 | $1,232,250 | $584,000 |
| Franklin County | $832,750 | $541,287 | $693,050 | $303,400 |
| Hampden County | $832,750 | $541,287 | $693,050 | $276,300 |
| Hampshire County | $832,750 | $541,287 | $693,050 | $363,400 |
| Middlesex County | $962,550 | $962,550 | $1,232,250 | $687,200 |
| Nantucket County | $1,249,125 | $1,249,125 | $1,599,375 | $1,387,000 |
| Norfolk County | $962,550 | $962,550 | $1,232,250 | $649,400 |
| Plymouth County | $962,550 | $962,550 | $1,232,250 | $513,000 |
| Suffolk County | $962,550 | $962,550 | $1,232,250 | $680,700 |
| Worcester County | $832,750 | $545,100 | $697,800 | $390,700 |
Which Massachusetts counties are high-cost areas?
Dukes County, Essex County, Middlesex County, Nantucket County, Norfolk County, Plymouth County, Suffolk County have conforming limits above the $832,750 baseline because local home values are higher.
Largest cities in Massachusetts
Frequently asked questions
FHA one-unit limits in Massachusetts start at $541,287. In Middlesex County, the most populous county, it's $962,550.
The 2026 one-unit conforming limit in Middlesex County is $962,550.
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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