What are the loan limits in each Vermont county?
| County | Conforming (1 unit) | FHA (1 unit) | FHA (2 units) | Median home value |
|---|---|---|---|---|
| Addison County | $832,750 | $541,287 | $693,050 | $333,700 |
| Bennington County | $832,750 | $541,287 | $693,050 | $257,400 |
| Caledonia County | $832,750 | $541,287 | $693,050 | $215,900 |
| Chittenden County | $832,750 | $575,000 | $736,100 | $404,500 |
| Essex County | $832,750 | $541,287 | $693,050 | $167,500 |
| Franklin County | $832,750 | $575,000 | $736,100 | $285,500 |
| Grand Isle County | $832,750 | $575,000 | $736,100 | $363,500 |
| Lamoille County | $832,750 | $541,287 | $693,050 | $285,200 |
| Orange County | $832,750 | $541,287 | $693,050 | $251,000 |
| Orleans County | $832,750 | $541,287 | $693,050 | $213,300 |
| Rutland County | $832,750 | $541,287 | $693,050 | $218,400 |
| Washington County | $832,750 | $541,287 | $693,050 | $293,900 |
| Windham County | $832,750 | $541,287 | $693,050 | $265,100 |
| Windsor County | $832,750 | $541,287 | $693,050 | $267,400 |
Which Vermont counties are high-cost areas?
No Vermont county is above the national baseline, so the conforming limit is $832,750 statewide.
Largest cities in Vermont
Frequently asked questions
FHA one-unit limits in Vermont start at $541,287. In Chittenden County, the most populous county, it's $575,000.
The 2026 one-unit conforming limit in Chittenden 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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