What are the loan limits in each Michigan county?
| County | Conforming (1 unit) | FHA (1 unit) | FHA (2 units) | Median home value |
|---|---|---|---|---|
| Alcona County | $832,750 | $541,287 | $693,050 | $157,500 |
| Alger County | $832,750 | $541,287 | $693,050 | $165,700 |
| Allegan County | $832,750 | $541,287 | $693,050 | $247,000 |
| Alpena County | $832,750 | $541,287 | $693,050 | $137,800 |
| Antrim County | $832,750 | $541,287 | $693,050 | $222,500 |
| Arenac County | $832,750 | $541,287 | $693,050 | $129,000 |
| Baraga County | $832,750 | $541,287 | $693,050 | $124,400 |
| Barry County | $832,750 | $541,287 | $693,050 | $243,700 |
| Bay County | $832,750 | $541,287 | $693,050 | $135,100 |
| Benzie County | $832,750 | $541,287 | $693,050 | $254,400 |
| Berrien County | $832,750 | $541,287 | $693,050 | $211,400 |
| Branch County | $832,750 | $541,287 | $693,050 | $147,500 |
| Calhoun County | $832,750 | $541,287 | $693,050 | $151,500 |
| Cass County | $832,750 | $541,287 | $693,050 | $205,200 |
| Charlevoix County | $832,750 | $541,287 | $693,050 | $242,800 |
| Cheboygan County | $832,750 | $541,287 | $693,050 | $175,200 |
| Chippewa County | $832,750 | $541,287 | $693,050 | $153,100 |
| Clare County | $832,750 | $541,287 | $693,050 | $117,400 |
| Clinton County | $832,750 | $541,287 | $693,050 | $243,700 |
| Crawford County | $832,750 | $541,287 | $693,050 | $149,900 |
| Delta County | $832,750 | $541,287 | $693,050 | $146,800 |
| Dickinson County | $832,750 | $541,287 | $693,050 | $130,300 |
| Eaton County | $832,750 | $541,287 | $693,050 | $206,700 |
| Emmet County | $832,750 | $541,287 | $693,050 | $275,300 |
| Genesee County | $832,750 | $541,287 | $693,050 | $172,900 |
| Gladwin County | $832,750 | $541,287 | $693,050 | $153,200 |
| Gogebic County | $832,750 | $541,287 | $693,050 | $99,700 |
| Grand Traverse County | $832,750 | $541,287 | $693,050 | $296,200 |
| Gratiot County | $832,750 | $541,287 | $693,050 | $136,800 |
| Hillsdale County | $832,750 | $541,287 | $693,050 | $170,500 |
| Houghton County | $832,750 | $541,287 | $693,050 | $140,300 |
| Huron County | $832,750 | $541,287 | $693,050 | $141,300 |
| Ingham County | $832,750 | $541,287 | $693,050 | $187,500 |
| Ionia County | $832,750 | $541,287 | $693,050 | $189,400 |
| Iosco County | $832,750 | $541,287 | $693,050 | $122,900 |
| Iron County | $832,750 | $541,287 | $693,050 | $101,500 |
| Isabella County | $832,750 | $541,287 | $693,050 | $165,100 |
| Jackson County | $832,750 | $541,287 | $693,050 | $182,900 |
| Kalamazoo County | $832,750 | $541,287 | $693,050 | $227,500 |
| Kalkaska County | $832,750 | $541,287 | $693,050 | $174,300 |
| Kent County | $832,750 | $541,287 | $693,050 | $265,700 |
| Keweenaw County | $832,750 | $541,287 | $693,050 | $181,400 |
| Lake County | $832,750 | $541,287 | $693,050 | $122,900 |
| Lapeer County | $832,750 | $541,287 | $693,050 | $229,100 |
| Leelanau County | $832,750 | $541,287 | $693,050 | $406,900 |
| Lenawee County | $832,750 | $541,287 | $693,050 | $181,100 |
| Livingston County | $832,750 | $541,287 | $693,050 | $331,100 |
| Luce County | $832,750 | $541,287 | $693,050 | $110,400 |
| Mackinac County | $832,750 | $541,287 | $693,050 | $165,600 |
| Macomb County | $832,750 | $541,287 | $693,050 | $231,400 |
| Manistee County | $832,750 | $541,287 | $693,050 | $166,600 |
| Marquette County | $832,750 | $541,287 | $693,050 | $202,000 |
| Mason County | $832,750 | $541,287 | $693,050 | $199,300 |
| Mecosta County | $832,750 | $541,287 | $693,050 | $169,900 |
| Menominee County | $832,750 | $541,287 | $693,050 | $142,700 |
| Midland County | $832,750 | $541,287 | $693,050 | $184,300 |
| Missaukee County | $832,750 | $541,287 | $693,050 | $163,700 |
| Monroe County | $832,750 | $541,287 | $693,050 | $215,700 |
| Montcalm County | $832,750 | $541,287 | $693,050 | $172,100 |
| Montmorency County | $832,750 | $541,287 | $693,050 | $142,000 |
| Muskegon County | $832,750 | $541,287 | $693,050 | $180,900 |
| Newaygo County | $832,750 | $541,287 | $693,050 | $178,300 |
| Oakland County | $832,750 | $541,287 | $693,050 | $320,400 |
| Oceana County | $832,750 | $541,287 | $693,050 | $167,600 |
| Ogemaw County | $832,750 | $541,287 | $693,050 | $138,600 |
| Ontonagon County | $832,750 | $541,287 | $693,050 | $101,000 |
| Osceola County | $832,750 | $541,287 | $693,050 | $139,600 |
| Oscoda County | $832,750 | $541,287 | $693,050 | $126,000 |
| Otsego County | $832,750 | $541,287 | $693,050 | $196,500 |
| Ottawa County | $832,750 | $541,287 | $693,050 | $291,200 |
| Presque Isle County | $832,750 | $541,287 | $693,050 | $135,200 |
| Roscommon County | $832,750 | $541,287 | $693,050 | $148,000 |
| Saginaw County | $832,750 | $541,287 | $693,050 | $139,400 |
| Sanilac County | $832,750 | $541,287 | $693,050 | $162,200 |
| Schoolcraft County | $832,750 | $541,287 | $693,050 | $123,500 |
| Shiawassee County | $832,750 | $541,287 | $693,050 | $164,600 |
| St. Clair County | $832,750 | $541,287 | $693,050 | $213,900 |
| St. Joseph County | $832,750 | $541,287 | $693,050 | $167,600 |
| Tuscola County | $832,750 | $541,287 | $693,050 | $136,900 |
| Van Buren County | $832,750 | $541,287 | $693,050 | $189,900 |
| Washtenaw County | $832,750 | $541,287 | $693,050 | $353,000 |
| Wayne County | $832,750 | $541,287 | $693,050 | $170,200 |
| Wexford County | $832,750 | $541,287 | $693,050 | $160,300 |
Which Michigan counties are high-cost areas?
No Michigan county is above the national baseline, so the conforming limit is $832,750 statewide.
Largest cities in Michigan
Frequently asked questions
FHA one-unit limits in Michigan start at $541,287. In Wayne County, the most populous county, it's $541,287.
The 2026 one-unit conforming limit in Wayne 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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