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Ranking · FHFA

Ranking: conforming loan limit (1 unit) by state

52 states ranked from highest to lowest. The highest is Alaska ($1,249,125) and the lowest Wyoming ($832,750). It compares housing costs, nothing more: it says nothing about quality of life.

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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”)
    $832,750
    47 states with the median at the lowest figure
    National maximum (“ceiling”)
    $1,299,500
    The highest cap the source sets.
    Highest: Alaska
    $1,249,125

    Conforming loan limits · 2026 data Source: Conforming loan limits (FHFA) Data from 2026 data Conforming loan limits (FHFA)

    How it spreads across the states

    In short

    What the ranking says

    The 5 highest are Alaska ($1,249,125), District of Columbia ($1,249,125), Hawaii ($1,249,125), New Jersey ($1,209,750) and Massachusetts ($962,550).

    The lowest value, $832,750, is shared by 47 states.

    The biggest gap between two consecutive places is between no. 4, New Jersey ($1,209,750), and no. 5, Massachusetts ($962,550).

    The highest

    1. 1=. Alaska $1,249,125
    2. 1=. District of Columbia $1,249,125
    3. 1=. Hawaii $1,249,125

    The lowest

    1. 4=. Wyoming $832,750
    2. 4=. Wisconsin $832,750
    3. 4=. West Virginia $832,750
    Conforming loan limit (1 unit) by state, highest to lowest · 2026 data
    See the map

    The states, highest first

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    Conforming loan limits · 2026 data Source: Conforming loan limits (FHFA) Data from 2026 data Conforming loan limits (FHFA)

    The counties at each end

    Among the 3222 counties with data, the 20 highest and the 20 lowest. Tap a county to open its page.

    The highest

    1. 1= Kalawao CountyHawaii $1,299,500
    2. 1= Maui CountyHawaii $1,299,500
    3. 2= Alameda CountyCalifornia $1,249,125
    4. 2= Aleutians East BoroughAlaska $1,249,125
    5. 2= Aleutians West Census AreaAlaska $1,249,125
    6. 2= Anchorage MunicipalityAlaska $1,249,125
    7. 2= Arlington CountyVirginia $1,249,125
    8. 2= Bethel Census AreaAlaska $1,249,125
    9. 2= Bristol Bay BoroughAlaska $1,249,125
    10. 2= Charles CountyMaryland $1,249,125
    11. 2= Chugach Census AreaAlaska $1,249,125
    12. 2= City of AlexandriaVirginia $1,249,125
    13. 2= City of FairfaxVirginia $1,249,125
    14. 2= City of Falls ChurchVirginia $1,249,125
    15. 2= City of FredericksburgVirginia $1,249,125
    16. 2= City of ManassasVirginia $1,249,125
    17. 2= City of Manassas ParkVirginia $1,249,125
    18. 2= Clarke CountyVirginia $1,249,125
    19. 2= Contra Costa CountyCalifornia $1,249,125
    20. 2= Copper River Census AreaAlaska $1,249,125

    The lowest

    1. 25= Ziebach CountySouth Dakota $832,750
    2. 25= Zavala CountyTexas $832,750
    3. 25= Zapata CountyTexas $832,750
    4. 25= Yuma CountyColorado $832,750
    5. 25= Yuma CountyArizona $832,750
    6. 25= Yuba CountyCalifornia $832,750
    7. 25= Young CountyTexas $832,750
    8. 25= York CountyVirginia $832,750
    9. 25= York CountySouth Carolina $832,750
    10. 25= York CountyPennsylvania $832,750
    11. 25= York CountyNebraska $832,750
    12. 25= York CountyMaine $832,750
    13. 25= Yolo CountyCalifornia $832,750
    14. 25= Yoakum CountyTexas $832,750
    15. 25= Yellowstone CountyMontana $832,750
    16. 25= Yellow Medicine CountyMinnesota $832,750
    17. 25= Yell CountyArkansas $832,750
    18. 25= Yazoo CountyMississippi $832,750
    19. 25= Yavapai CountyArizona $832,750
    20. 25= Yauco MunicipioPuerto Rico $832,750

    What it means for your family

    The conforming limit is the largest conventional loan Fannie Mae and Freddie Mac buy in your county. A bigger loan is called "jumbo" and has its own rules.

    What to do with this figure

    How to read this ranking

    1. 1A cost ranking is not a quality-of-life ranking: a high or low value says nothing about what living in a place is like.
    2. 2Ties share a rank. When many places share the minimum (the FHA floor), they appear with the same rank.
    3. 3The difference from the United States compares with the national figure from the same source and date.
    4. It caps the loan, not the price of the home.
    5. The limits for 2, 3 and 4 units are higher; they are on each county’s page.
    6. Alaska, Hawaii, Guam and the Virgin Islands have higher baseline limits.