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Ranking · HUD

Ranking: fha loan limit (1 unit) by state

52 states ranked from highest to lowest. The highest is District of Columbia ($1,249,125) and the lowest Wyoming ($541,287). 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”)
    $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)

    How it spreads across the states

    In short

    What the ranking says

    The 5 highest are District of Columbia ($1,249,125), New Jersey ($1,249,125), Hawaii ($1,110,900), Massachusetts ($962,550) and Rhode Island ($787,750).

    The lowest value, $541,287, is shared by 44 states.

    The biggest gap between two consecutive places is between no. 4, Massachusetts ($962,550), and no. 5, Rhode Island ($787,750).

    The highest

    1. 1=. District of Columbia $1,249,125
    2. 1=. New Jersey $1,249,125
    3. 2. Hawaii $1,110,900

    The lowest

    1. 8=. Wyoming $541,287
    2. 8=. Wisconsin $541,287
    3. 8=. West Virginia $541,287
    FHA loan limit (1 unit) by state, highest to lowest · 2026 data
    See the map

    The states, highest first

    Download CSV

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

    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= Arlington CountyVirginia $1,249,125
    5. 2= Bergen CountyNew Jersey $1,249,125
    6. 2= Bronx CountyNew York $1,249,125
    7. 2= Charles CountyMaryland $1,249,125
    8. 2= City of AlexandriaVirginia $1,249,125
    9. 2= City of FairfaxVirginia $1,249,125
    10. 2= City of Falls ChurchVirginia $1,249,125
    11. 2= City of FredericksburgVirginia $1,249,125
    12. 2= City of ManassasVirginia $1,249,125
    13. 2= City of Manassas ParkVirginia $1,249,125
    14. 2= Clarke CountyVirginia $1,249,125
    15. 2= Contra Costa CountyCalifornia $1,249,125
    16. 2= Culpeper CountyVirginia $1,249,125
    17. 2= District of ColumbiaDistrict of Columbia $1,249,125
    18. 2= Dukes CountyMassachusetts $1,249,125
    19. 2= Eagle CountyColorado $1,249,125
    20. 2= Essex CountyNew Jersey $1,249,125

    The lowest

    1. 84= Ziebach CountySouth Dakota $541,287
    2. 84= Zavala CountyTexas $541,287
    3. 84= Zapata CountyTexas $541,287
    4. 84= Yuma CountyColorado $541,287
    5. 84= Yuma CountyArizona $541,287
    6. 84= Yukon-Koyukuk Census AreaAlaska $541,287
    7. 84= Yuba CountyCalifornia $541,287
    8. 84= Young CountyTexas $541,287
    9. 84= York CountySouth Carolina $541,287
    10. 84= York CountyPennsylvania $541,287
    11. 84= York CountyNebraska $541,287
    12. 84= Yoakum CountyTexas $541,287
    13. 84= Yellow Medicine CountyMinnesota $541,287
    14. 84= Yell CountyArkansas $541,287
    15. 84= Yazoo CountyMississippi $541,287
    16. 84= Yavapai CountyArizona $541,287
    17. 84= Yauco MunicipioPuerto Rico $541,287
    18. 84= Yates CountyNew York $541,287
    19. 84= Yankton CountySouth Dakota $541,287
    20. 84= Yancey CountyNorth Carolina $541,287

    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 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: 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.