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Map · HUD

FHA loan limit (1 unit) on the map

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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Your county

And in your county?

Type your county and see its figure next to your state's and the U.S.
    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)

    Every state on the map

    FHA loan limit (1 unit) in every state and in 3,222 counties across 52 states, on one color scale so you can compare places at a glance. Tap a state to see its counties one by one.

    Alabama: $541,287Alaska: $541,287Arizona: $541,287Arkansas: $541,287California: $546,250Colorado: $541,287Connecticut: $541,287Delaware: $541,287District of Columbia: $1,249,125Florida: $541,287Georgia: $541,287Hawaii: $1,110,900Idaho: $541,287Illinois: $541,287Indiana: $541,287Iowa: $541,287Kansas: $541,287Kentucky: $541,287Louisiana: $541,287Maine: $541,287Maryland: $630,200Massachusetts: $962,550Michigan: $541,287Minnesota: $541,287Mississippi: $541,287Missouri: $541,287Montana: $541,287Nebraska: $541,287Nevada: $541,287New Hampshire: $541,287New Jersey: $1,249,125New Mexico: $541,287New York: $541,287North Carolina: $541,287North Dakota: $541,287Ohio: $541,287Oklahoma: $541,287Oregon: $541,287Pennsylvania: $541,287Puerto Rico: $690,000Rhode Island: $787,750South Carolina: $541,287South Dakota: $541,287Tennessee: $541,287Texas: $541,287Utah: $541,287Vermont: $541,287Virginia: $541,287Washington: $541,287West Virginia: $541,287Wisconsin: $541,287Wyoming: $541,287
    $541,287$546,250–$630,200$690,000$787,750–$962,550$1,110,900–$1,249,125
    See the ranking

    In short

    What the map shows

    44 states have their middle county at the national floor of $541,287; in the other 8, the middle county is above the floor.

    If you order the 52 states from highest to lowest, the middle value is $541,287, shared by 44 states.

    The highest, 2 tied states ($1,249,125), is 2.3 times the lowest, 44 tied states ($541,287).

    By Census region

    The middle state of each region, and the highest and lowest of each.

    Region Middle state Highest Lowest
    NortheastStates: 9 $541,287 New Jersey $1,249,125 Vermont $541,287
    MidwestStates: 12 $541,287 Illinois $541,287 Wisconsin $541,287
    SouthStates: 17 $541,287 District of Columbia $1,249,125 West Virginia $541,287
    WestStates: 13 $541,287 Hawaii $1,110,900 Wyoming $541,287
    Puerto RicoStates: 1 $690,000 Puerto Rico $690,000 —

    Regions: Census Regions and Divisions of the United States (U.S. Census Bureau). www2.census.gov

    Which states fall in each band

    From the highest band to the lowest. The values are the same as the table on the data page.

    1. $1,110,900–$1,249,1253 states

    2. $787,750–$962,5502 states

    3. $690,0001 state

    4. $546,250–$630,2002 states

    5. $541,28744 states

    By county, state by state

    Each map colors its counties on the same national scale: the same color means the same range in any state. Tap a state to open its page.

    National county scale

    • $541,287–$585,350
    • $586,500–$649,750
    • $664,700–$750,950
    • $754,400–$962,550
    • $977,500–$1,299,500

    What it means for your family

    Your county's FHA limit is the largest loan FHA can insure there. If the home you want costs more, you need a bigger down payment or another loan type.

    What to do with this figure

    How to read these maps

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

    1. 1The color bands come from the distinct values of all places, so a shared minimum (like the FHA floor) does not swallow the other bands.
    2. 2The state map and the county maps use different scales: one compares states with each other; the others compare counties with each other.
    3. 3Places without data are gray: the Census does not publish some figures for very small counties.
    4. It caps the loan, not the price of the home: with a larger down payment you can buy a more expensive home.
    5. Counties in the same metropolitan area share the limit even when their prices differ.
    6. Alaska, Hawaii, Guam and the Virgin Islands have higher special ceilings.