Data · HUD

FHA loan limit (1 unit)

The limit for a one-unit home runs from $541,287, the national floor, to $1,299,500, the ceiling, according to HUD (2026 data). In 44 states the county median is $541,287, the lowest figure; the highest is New Jersey's ($1,249,125).

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National minimum (“floor”): $541,287; 44 states with the median at the lowest figure
National maximum (“ceiling”): $1,299,500; The highest cap the source sets.
Highest: District of Columbia: $1,249,125

FHA mortgage limits · 2026 data Source: FHA mortgage limits (HUD) Data from 2026 data FHA mortgage limits (HUD) (external site)

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How it spreads across the states

Each bar is a state, from the highest figure to the lowest. The line marks the U.S. figure. Tap a state in the table to see its counties.

FHA loan limit (1 unit) by state, highest to lowest · 2026 data

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FHA loan limit (1 unit) by state · 2026 data

Alabama	$541,287	$541,287	$541,287
Alaska	$541,287	$541,287	$596,850
Arizona	$541,287	$541,287	$609,500
Arkansas	$541,287	$541,287	$541,287
California	$546,250	$541,287	$1,249,125
Colorado	$541,287	$541,287	$1,249,125
Connecticut	$541,287	$541,287	$977,500
Delaware	$541,287	$541,287	$630,200
District of Columbia	$1,249,125	$1,249,125	$1,249,125
Florida	$541,287	$541,287	$990,150
Georgia	$541,287	$541,287	$718,750
Hawaii	$1,110,900	$586,500	$1,299,500
Idaho	$541,287	$541,287	$1,249,125
Illinois	$541,287	$541,287	$541,287
Indiana	$541,287	$541,287	$541,287
Iowa	$541,287	$541,287	$541,287
Kansas	$541,287	$541,287	$541,287
Kentucky	$541,287	$541,287	$541,287
Louisiana	$541,287	$541,287	$541,287
Maine	$541,287	$541,287	$615,250
Maryland	$630,200	$541,287	$1,249,125
Massachusetts	$962,550	$541,287	$1,249,125
Michigan	$541,287	$541,287	$541,287
Minnesota	$541,287	$541,287	$552,000
Mississippi	$541,287	$541,287	$541,287
Missouri	$541,287	$541,287	$541,287
Montana	$541,287	$541,287	$754,400
Nebraska	$541,287	$541,287	$603,750
Nevada	$541,287	$541,287	$736,000
New Hampshire	$541,287	$541,287	$962,550
New Jersey	$1,249,125	$541,287	$1,249,125
New Mexico	$541,287	$541,287	$692,300
New York	$541,287	$541,287	$1,249,125
North Carolina	$541,287	$541,287	$805,000
North Dakota	$541,287	$541,287	$541,287
Ohio	$541,287	$541,287	$591,100
Oklahoma	$541,287	$541,287	$541,287
Oregon	$541,287	$541,287	$762,450
Pennsylvania	$541,287	$541,287	$630,200
Puerto Rico	$690,000	$541,287	$690,000
Rhode Island	$787,750	$787,750	$787,750
South Carolina	$541,287	$541,287	$690,000
South Dakota	$541,287	$541,287	$541,650
Tennessee	$541,287	$541,287	$1,029,250
Texas	$541,287	$541,287	$813,050
Utah	$541,287	$541,287	$1,163,800
Vermont	$541,287	$541,287	$575,000
Virginia	$541,287	$541,287	$1,249,125
Washington	$541,287	$541,287	$1,063,750
West Virginia	$541,287	$541,287	$1,249,125
Wisconsin	$541,287	$541,287	$552,000
Wyoming	$541,287	$541,287	$1,249,125

State Median of its countiesMaximum
Alabama $541,287$541,287
Alaska $541,287$596,850
Arizona $541,287$609,500
Arkansas $541,287$541,287
California $546,250$1,249,125
Colorado $541,287$1,249,125
Connecticut $541,287$977,500
Delaware $541,287$630,200
District of Columbia $1,249,125$1,249,125
Florida $541,287$990,150
Georgia $541,287$718,750
Hawaii $1,110,900$1,299,500
Idaho $541,287$1,249,125
Illinois $541,287$541,287
Indiana $541,287$541,287
Iowa $541,287$541,287
Kansas $541,287$541,287
Kentucky $541,287$541,287
Louisiana $541,287$541,287
Maine $541,287$615,250
Maryland $630,200$1,249,125
Massachusetts $962,550$1,249,125
Michigan $541,287$541,287
Minnesota $541,287$552,000
Mississippi $541,287$541,287
Missouri $541,287$541,287
Montana $541,287$754,400
Nebraska $541,287$603,750
Nevada $541,287$736,000
New Hampshire $541,287$962,550
New Jersey $1,249,125$1,249,125
New Mexico $541,287$692,300
New York $541,287$1,249,125
North Carolina $541,287$805,000
North Dakota $541,287$541,287
Ohio $541,287$591,100
Oklahoma $541,287$541,287
Oregon $541,287$762,450
Pennsylvania $541,287$630,200
Puerto Rico $690,000$690,000
Rhode Island $787,750$787,750
South Carolina $541,287$690,000
South Dakota $541,287$541,650
Tennessee $541,287$1,029,250
Texas $541,287$813,050
Utah $541,287$1,163,800
Vermont $541,287$575,000
Virginia $541,287$1,249,125
Washington $541,287$1,063,750
West Virginia $541,287$1,249,125
Wisconsin $541,287$552,000
Wyoming $541,287$1,249,125

Text file (UTF-8) with one row per state, the source and its date. Opens in Excel, Google Sheets or Numbers.

FHA mortgage limits · 2026 data Source: FHA mortgage limits (HUD) Data from 2026 data FHA mortgage limits (HUD) (external site)

Bars of FHA loan limit (1 unit) by state. The 5 highest: District of Columbia $1,249,125, New Jersey $1,249,125, Hawaii $1,110,900, Massachusetts $962,550, Rhode Island $787,750. The 5 lowest: Vermont $541,287, Washington $541,287, Wisconsin $541,287, West Virginia $541,287, Wyoming $541,287. United States: —. — The chart as an image Download or share it: it carries the source and the date of the data. Source: FHA mortgage limits (HUD) (2026) Download the chart

Official source

Methodology: where this number comes from

The source, the data date, how we compute it and what to know before you use it.

About this measure

Source: FHA mortgage limits (HUD)
Published by: HUD
Type: Source figure, unchanged
Data date: 2026 data
Geography: United States: 50 states (plus District of Columbia and Puerto Rico) and 3,222 counties and municipalities
Unit: Dollars
Updated: Every year in December (in effect January 1)
License: Public domain (U.S. government data)

Version and changes

If we correct a number, it is noted in recent changes.

Methodology

What the state figure shows

HUD sets the limit by county. For each state we show the median of its counties and the minimum and maximum among them; the map uses the median. Your county’s exact limit is on its page, with the limits for 2, 3 and 4 units.

Before you use this number

It caps the loan, not the price of the home: with a larger down payment you can buy a more expensive home.
Counties in the same metropolitan area share the limit even when their prices differ.
Alaska, Hawaii, Guam and the Virgin Islands have higher special ceilings.

FHA mortgage limits (HUD)

HUD

See it at the source

Current version: 2026 data
In effect since: January 1, 2026
Retrieved by us: November 6, 2026
Next update: Every year in December (in effect January 1)
License: Public domain (U.S. government data)

Guides that explain this number

Mortgage loans

FHA loan: down payment, insurance, limits and who qualifies

How an FHA loan works: the down payment and credit score HUD requires, MIP mortgage insurance, your county limit, the home and the residency rules.
Mortgage loans

Mortgage loan types: FHA, conventional, VA and USDA

What each mortgage type asks for, what its insurance costs, fixed or adjustable rate, points and APR. A neutral comparison with official sources.
Buying a home

How much do you need for a down payment?

20% is not required: what each loan asks for (FHA, conventional, VA, USDA), what changes with less than 20% down, and where the money can come from.

The other measures in this group, with the U.S. figure.

Conforming loan limit (1 unit)
$832,750

The largest loan Fannie Mae and Freddie Mac buy for a one-unit home; above it, a loan is “jumbo”.
Mortgage rates
7.18%

The weekly average 30-year and 15-year fixed rate Freddie Mac publishes every Thursday.

Find it in your county

Every county and municipality has its page with this number, the other indicators and free help near you.

All states and counties

Tools that use this data

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FHA loan limit (1 unit)

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The key figures

How it spreads across the states