What are the loan limits in each New Mexico county?
| County | Conforming (1 unit) | FHA (1 unit) | FHA (2 units) | Median home value |
|---|---|---|---|---|
| Bernalillo County | $832,750 | $541,287 | $693,050 | $268,500 |
| Catron County | $832,750 | $541,287 | $693,050 | $171,800 |
| Chaves County | $832,750 | $541,287 | $693,050 | $141,900 |
| Cibola County | $832,750 | $541,287 | $693,050 | $120,000 |
| Colfax County | $832,750 | $541,287 | $693,050 | $161,000 |
| Curry County | $832,750 | $541,287 | $693,050 | $160,800 |
| De Baca County | $832,750 | $541,287 | $693,050 | $158,000 |
| Doña Ana County | $832,750 | $541,287 | $693,050 | $205,400 |
| Eddy County | $832,750 | $541,287 | $693,050 | $199,400 |
| Grant County | $832,750 | $541,287 | $693,050 | $164,400 |
| Guadalupe County | $832,750 | $541,287 | $693,050 | $107,200 |
| Harding County | $832,750 | $541,287 | $693,050 | $86,500 |
| Hidalgo County | $832,750 | $541,287 | $693,050 | $114,000 |
| Lea County | $832,750 | $541,287 | $693,050 | $176,000 |
| Lincoln County | $832,750 | $541,287 | $693,050 | $212,200 |
| Los Alamos County | $832,750 | $692,300 | $886,250 | $452,500 |
| Luna County | $832,750 | $541,287 | $693,050 | $112,500 |
| McKinley County | $832,750 | $541,287 | $693,050 | $72,100 |
| Mora County | $832,750 | $541,287 | $693,050 | $119,900 |
| Otero County | $832,750 | $541,287 | $693,050 | $149,500 |
| Quay County | $832,750 | $541,287 | $693,050 | $82,200 |
| Rio Arriba County | $832,750 | $541,287 | $693,050 | $230,900 |
| Roosevelt County | $832,750 | $541,287 | $693,050 | $136,000 |
| San Juan County | $832,750 | $541,287 | $693,050 | $185,100 |
| San Miguel County | $832,750 | $541,287 | $693,050 | $177,600 |
| Sandoval County | $832,750 | $541,287 | $693,050 | $282,300 |
| Santa Fe County | $832,750 | $569,250 | $728,750 | $416,900 |
| Sierra County | $832,750 | $541,287 | $693,050 | $144,800 |
| Socorro County | $832,750 | $541,287 | $693,050 | $143,200 |
| Taos County | $832,750 | $541,287 | $693,050 | $354,000 |
| Torrance County | $832,750 | $541,287 | $693,050 | $145,100 |
| Union County | $832,750 | $541,287 | $693,050 | $135,900 |
| Valencia County | $832,750 | $541,287 | $693,050 | $206,800 |
Which New Mexico counties are high-cost areas?
No New Mexico county is above the national baseline, so the conforming limit is $832,750 statewide.
Largest cities in New Mexico
Frequently asked questions
FHA one-unit limits in New Mexico start at $541,287. In Bernalillo County, the most populous county, it's $541,287.
The 2026 one-unit conforming limit in Bernalillo 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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