The largest mortgage Fannie Mae and Freddie Mac can buy on a one-unit home in 2026 is $832,750 in most of the country, up $26,250 from $806,500 in 2025. The Federal Housing Finance Agency set the new limits on November 25, 2025, raising the baseline by 3.26%, the rise in its house price index over the year to the third quarter of 2025.
Outside Alaska, Hawaii, Guam and the U.S. Virgin Islands, 121 of the 3,235 counties and county equivalents on FHFA’s list have a higher, high-cost limit. 38 of them sit at the ceiling of $1,249,125, which is 150% of the baseline. Alaska, Hawaii, Guam and the U.S. Virgin Islands have their own statutory baseline of $1,249,125; the highest limit anywhere is $1,299,500, in Kalawao County and Maui County, Hawaii.
FHFA says the limit went up in all but 32 counties or county equivalents. Connecticut’s figures are now set for its nine planning regions, which replaced its eight counties in federal statistics, so its 2026 limits cannot be compared county by county with 2025.
Why the limit matters
A loan at or under the limit is a "conforming" loan that Fannie Mae and Freddie Mac can buy. A larger loan is a jumbo loan, which lenders must keep or sell to private investors, and which often comes with stricter credit, down payment and cash reserve requirements. The limits apply to loans Fannie Mae and Freddie Mac acquire in calendar 2026. FHA uses its own limits, which are set separately.
The county-level limit is set under the Housing and Economic Recovery Act of 2008: in areas where 115% of the local median home value is above the baseline, the limit is 115% of that median, up to the ceiling. Higher limits apply to two- to four-unit properties.
Counties above the baseline
| County | State | One-unit limit, 2026 | 2025 | Change | Two-unit | Four-unit |
|---|---|---|---|---|---|---|
| Kalawao County | Hawaii | $1,299,500 | $1,209,750 | $89,750 | $1,663,600 | $2,499,100 |
| Maui County | Hawaii | $1,299,500 | $1,209,750 | $89,750 | $1,663,600 | $2,499,100 |
| Aleutians East Borough | Alaska | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Aleutians West Census Area | Alaska | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Anchorage Municipality | Alaska | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Bethel Census Area | Alaska | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Bristol Bay Borough | Alaska | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Chugach Census Area | Alaska | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Copper River Census Area | Alaska | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Denali Borough | Alaska | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Dillingham Census Area | Alaska | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Fairbanks North Star Borough | Alaska | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Haines Borough | Alaska | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Hoonah-Angoon Census Area | Alaska | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Juneau City And Borough | Alaska | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Kenai Peninsula Borough | Alaska | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Ketchikan Gateway Borough | Alaska | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Kodiak Island Borough | Alaska | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Kusilvak Census Area | Alaska | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Lake And Peninsula Borough | Alaska | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Matanuska-Susitna Borough | Alaska | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Nome Census Area | Alaska | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| North Slope Borough | Alaska | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Northwest Arctic Borough | Alaska | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Petersburg Census Area | Alaska | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Prince of Wales-Hyder Census Area | Alaska | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Sitka City And Borough | Alaska | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Skagway Municipality | Alaska | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Southeast Fairbanks Census Area | Alaska | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Wrangell City And Borough | Alaska | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Yakutat City And Borough | Alaska | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Yukon-Koyukuk Census Area | Alaska | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Alameda County | California | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Contra Costa County | California | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Los Angeles County | California | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Marin County | California | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Orange County | California | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| San Benito County | California | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| San Francisco County | California | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| San Mateo County | California | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Santa Clara County | California | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Santa Cruz County | California | $1,249,125 | $1,178,750 | $70,375 | $1,599,375 | $2,402,625 |
| Eagle County | Colorado | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| District of Columbia | District of Columbia | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Guam | Guam | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Hawaii County | Hawaii | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Honolulu County | Hawaii | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Kauai County | Hawaii | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Teton County | Idaho | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Dukes County | Massachusetts | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Nantucket County | Massachusetts | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Charles County | Maryland | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Frederick County | Maryland | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Montgomery County | Maryland | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Prince George'S County | Maryland | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Alexandria City | Virginia | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Arlington County | Virginia | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Clarke County | Virginia | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Culpeper County | Virginia | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Fairfax City | Virginia | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Fairfax County | Virginia | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Falls Church City | Virginia | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Fauquier County | Virginia | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Fredericksburg City | Virginia | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Loudoun County | Virginia | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Manassas City | Virginia | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Manassas Park City | Virginia | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Prince William County | Virginia | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Rappahannock County | Virginia | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Spotsylvania County | Virginia | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Stafford County | Virginia | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Warren County | Virginia | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| St. Croix Island | U.S. Virgin Islands | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| St. John Island | U.S. Virgin Islands | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| St. Thomas Island | U.S. Virgin Islands | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Jefferson County | West Virginia | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Teton County | Wyoming | $1,249,125 | $1,209,750 | $39,375 | $1,599,375 | $2,402,625 |
| Garfield County | Colorado | $1,209,750 | $1,209,750 | $0 | $1,548,975 | $2,326,875 |
| Pitkin County | Colorado | $1,209,750 | $1,209,750 | $0 | $1,548,975 | $2,326,875 |
| Calvert County | Maryland | $1,209,750 | $1,209,750 | $0 | $1,548,975 | $2,326,875 |
| Bergen County | New Jersey | $1,209,750 | $1,209,750 | $0 | $1,548,975 | $2,326,875 |
| Essex County | New Jersey | $1,209,750 | $1,209,750 | $0 | $1,548,975 | $2,326,875 |
| Hudson County | New Jersey | $1,209,750 | $1,209,750 | $0 | $1,548,975 | $2,326,875 |
| Hunterdon County | New Jersey | $1,209,750 | $1,209,750 | $0 | $1,548,975 | $2,326,875 |
| Middlesex County | New Jersey | $1,209,750 | $1,209,750 | $0 | $1,548,975 | $2,326,875 |
| Monmouth County | New Jersey | $1,209,750 | $1,209,750 | $0 | $1,548,975 | $2,326,875 |
| Morris County | New Jersey | $1,209,750 | $1,209,750 | $0 | $1,548,975 | $2,326,875 |
| Ocean County | New Jersey | $1,209,750 | $1,209,750 | $0 | $1,548,975 | $2,326,875 |
| Passaic County | New Jersey | $1,209,750 | $1,209,750 | $0 | $1,548,975 | $2,326,875 |
| Somerset County | New Jersey | $1,209,750 | $1,209,750 | $0 | $1,548,975 | $2,326,875 |
| Sussex County | New Jersey | $1,209,750 | $1,209,750 | $0 | $1,548,975 | $2,326,875 |
| Union County | New Jersey | $1,209,750 | $1,209,750 | $0 | $1,548,975 | $2,326,875 |
| Bronx County | New York | $1,209,750 | $1,209,750 | $0 | $1,548,975 | $2,326,875 |
| Kings County | New York | $1,209,750 | $1,209,750 | $0 | $1,548,975 | $2,326,875 |
| Nassau County | New York | $1,209,750 | $1,209,750 | $0 | $1,548,975 | $2,326,875 |
| New York County | New York | $1,209,750 | $1,209,750 | $0 | $1,548,975 | $2,326,875 |
| Putnam County | New York | $1,209,750 | $1,209,750 | $0 | $1,548,975 | $2,326,875 |
| Queens County | New York | $1,209,750 | $1,209,750 | $0 | $1,548,975 | $2,326,875 |
| Richmond County | New York | $1,209,750 | $1,209,750 | $0 | $1,548,975 | $2,326,875 |
| Rockland County | New York | $1,209,750 | $1,209,750 | $0 | $1,548,975 | $2,326,875 |
| Suffolk County | New York | $1,209,750 | $1,209,750 | $0 | $1,548,975 | $2,326,875 |
| Westchester County | New York | $1,209,750 | $1,209,750 | $0 | $1,548,975 | $2,326,875 |
| Pike County | Pennsylvania | $1,209,750 | $1,209,750 | $0 | $1,548,975 | $2,326,875 |
| Madison County | Virginia | $1,209,750 | $1,209,750 | $0 | $1,548,975 | $2,326,875 |
| Summit County | Utah | $1,150,000 | $1,149,825 | $175 | $1,472,250 | $2,211,600 |
| Wasatch County | Utah | $1,150,000 | $1,149,825 | $175 | $1,472,250 | $2,211,600 |
| San Diego County | California | $1,104,000 | $1,077,550 | $26,450 | $1,413,350 | $2,123,100 |
| Lake County | Colorado | $1,092,500 | $806,500 | $286,000 | $1,398,600 | $2,101,000 |
| Summit County | Colorado | $1,092,500 | $1,067,200 | $25,300 | $1,398,600 | $2,101,000 |
| Moffat County | Colorado | $1,089,050 | $806,500 | $282,550 | $1,394,200 | $2,094,350 |
| Routt County | Colorado | $1,089,050 | $1,012,000 | $77,050 | $1,394,200 | $2,094,350 |
| King County | Washington | $1,063,750 | $1,037,300 | $26,450 | $1,361,800 | $2,045,700 |
| Pierce County | Washington | $1,063,750 | $1,037,300 | $26,450 | $1,361,800 | $2,045,700 |
| Snohomish County | Washington | $1,063,750 | $1,037,300 | $26,450 | $1,361,800 | $2,045,700 |
| Ventura County | California | $1,035,000 | $1,017,750 | $17,250 | $1,325,000 | $1,990,450 |
| Cannon County | Tennessee | $1,029,250 | $989,000 | $40,250 | $1,317,650 | $1,979,350 |
| Cheatham County | Tennessee | $1,029,250 | $989,000 | $40,250 | $1,317,650 | $1,979,350 |
| Davidson County | Tennessee | $1,029,250 | $989,000 | $40,250 | $1,317,650 | $1,979,350 |
| Dickson County | Tennessee | $1,029,250 | $989,000 | $40,250 | $1,317,650 | $1,979,350 |
| Hickman County | Tennessee | $1,029,250 | $806,500 | $222,750 | $1,317,650 | $1,979,350 |
| Macon County | Tennessee | $1,029,250 | $989,000 | $40,250 | $1,317,650 | $1,979,350 |
| Maury County | Tennessee | $1,029,250 | $989,000 | $40,250 | $1,317,650 | $1,979,350 |
| Robertson County | Tennessee | $1,029,250 | $989,000 | $40,250 | $1,317,650 | $1,979,350 |
| Rutherford County | Tennessee | $1,029,250 | $989,000 | $40,250 | $1,317,650 | $1,979,350 |
| Smith County | Tennessee | $1,029,250 | $989,000 | $40,250 | $1,317,650 | $1,979,350 |
| Sumner County | Tennessee | $1,029,250 | $989,000 | $40,250 | $1,317,650 | $1,979,350 |
| Trousdale County | Tennessee | $1,029,250 | $989,000 | $40,250 | $1,317,650 | $1,979,350 |
| Williamson County | Tennessee | $1,029,250 | $989,000 | $40,250 | $1,317,650 | $1,979,350 |
| Wilson County | Tennessee | $1,029,250 | $989,000 | $40,250 | $1,317,650 | $1,979,350 |
| Napa County | California | $1,017,750 | $1,017,750 | $0 | $1,302,900 | $1,957,250 |
| San Luis Obispo County | California | $1,000,500 | $967,150 | $33,350 | $1,280,850 | $1,924,100 |
| Wayne County | Utah | $997,050 | $997,050 | $0 | $1,276,400 | $1,917,450 |
| Monterey County | California | $994,750 | $970,600 | $24,150 | $1,273,450 | $1,913,000 |
| San Miguel County | Colorado | $994,750 | $994,750 | $0 | $1,273,450 | $1,913,000 |
| Monroe County | Florida | $990,150 | $967,150 | $23,000 | $1,267,600 | $1,904,150 |
| Greater Bridgeport Planning Region | Connecticut | $977,500 | – | – | $1,251,400 | $1,879,850 |
| Western Connecticut Planning Region | Connecticut | $977,500 | – | – | $1,251,400 | $1,879,850 |
| Essex County | Massachusetts | $962,550 | $914,250 | $48,300 | $1,232,250 | $1,851,100 |
| Middlesex County | Massachusetts | $962,550 | $914,250 | $48,300 | $1,232,250 | $1,851,100 |
| Norfolk County | Massachusetts | $962,550 | $914,250 | $48,300 | $1,232,250 | $1,851,100 |
| Plymouth County | Massachusetts | $962,550 | $914,250 | $48,300 | $1,232,250 | $1,851,100 |
| Suffolk County | Massachusetts | $962,550 | $914,250 | $48,300 | $1,232,250 | $1,851,100 |
| Rockingham County | New Hampshire | $962,550 | $914,250 | $48,300 | $1,232,250 | $1,851,100 |
| Strafford County | New Hampshire | $962,550 | $914,250 | $48,300 | $1,232,250 | $1,851,100 |
| Santa Barbara County | California | $941,850 | $913,100 | $28,750 | $1,205,750 | $1,811,300 |
| Sonoma County | California | $897,000 | $897,000 | $0 | $1,148,350 | $1,725,050 |
| Grand County | Colorado | $883,200 | $874,000 | $9,200 | $1,130,650 | $1,698,500 |
| Boulder County | Colorado | $879,750 | $862,500 | $17,250 | $1,126,250 | $1,691,850 |
| Adams County | Colorado | $862,500 | $833,750 | $28,750 | $1,104,150 | $1,658,700 |
| Arapahoe County | Colorado | $862,500 | $833,750 | $28,750 | $1,104,150 | $1,658,700 |
| Broomfield County | Colorado | $862,500 | $833,750 | $28,750 | $1,104,150 | $1,658,700 |
| Clear Creek County | Colorado | $862,500 | $833,750 | $28,750 | $1,104,150 | $1,658,700 |
| Denver County | Colorado | $862,500 | $833,750 | $28,750 | $1,104,150 | $1,658,700 |
| Douglas County | Colorado | $862,500 | $833,750 | $28,750 | $1,104,150 | $1,658,700 |
| Elbert County | Colorado | $862,500 | $833,750 | $28,750 | $1,104,150 | $1,658,700 |
| Gilpin County | Colorado | $862,500 | $833,750 | $28,750 | $1,104,150 | $1,658,700 |
| Jefferson County | Colorado | $862,500 | $833,750 | $28,750 | $1,104,150 | $1,658,700 |
| Park County | Colorado | $862,500 | $833,750 | $28,750 | $1,104,150 | $1,658,700 |
| Naugatuck Valley Planning Region | Connecticut | $851,000 | – | – | $1,089,450 | $1,636,550 |
| Grand County | Utah | $839,500 | $806,500 | $33,000 | $1,074,700 | $1,614,450 |
160 counties and county equivalents with a 2026 one-unit limit above $832,750, including Alaska, Hawaii, Guam and the U.S. Virgin Islands. Every other county is at $832,750. Connecticut planning regions show no 2025 figure. The CSV lists all 3,235 counties with FIPS codes and every unit size.
Source
Federal Housing Finance Agency, Conforming Loan Limit Values, 2026 and 2025 full county lists (HERA-based), and news release "FHFA Announces Conforming Loan Limit Values for 2026," November 25, 2025, downloaded October 27, 2026. U.S. government data in the public domain. Changes are our calculation. Our table is available under CC BY 4.0. Credit "My Credit Guide (mycreditguide.org)".
Steven Reynolds, "Conforming Loan Limits by County, 2026," My Credit Guide, October 27, 2026, https://mycreditguide.org/data/conforming-loan-limits-by-county/.