What are the loan limits in each New Hampshire county?
| County | Conforming (1 unit) | FHA (1 unit) | FHA (2 units) | Median home value |
|---|---|---|---|---|
| Belknap County | $832,750 | $541,287 | $693,050 | $340,000 |
| Carroll County | $832,750 | $546,250 | $699,300 | $348,900 |
| Cheshire County | $832,750 | $541,287 | $693,050 | $257,200 |
| Coos County | $832,750 | $541,287 | $693,050 | $169,600 |
| Grafton County | $832,750 | $541,287 | $693,050 | $298,500 |
| Hillsborough County | $832,750 | $589,950 | $755,250 | $385,500 |
| Merrimack County | $832,750 | $541,287 | $693,050 | $330,600 |
| Rockingham County | $962,550 | $962,550 | $1,232,250 | $461,400 |
| Strafford County | $962,550 | $962,550 | $1,232,250 | $332,400 |
| Sullivan County | $832,750 | $541,287 | $693,050 | $236,300 |
Which New Hampshire counties are high-cost areas?
Rockingham County, Strafford County have conforming limits above the $832,750 baseline because local home values are higher.
Largest cities in New Hampshire
Frequently asked questions
FHA one-unit limits in New Hampshire start at $541,287. In Hillsborough County, the most populous county, it's $589,950.
The 2026 one-unit conforming limit in Hillsborough 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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