The full explanation
That is why expensive counties have higher limits. There is a separate limit for one-, two-, three- and four-unit homes. HUD publishes the limits every year and we show them for every county.
An example
If the home you want costs more than your county's FHA limit, you cannot finance the whole difference with an FHA loan: you will have to bring more money of your own or look at another loan type.
With real numbers
Computed with official data for the whole U.S. In your county the numbers may differ.
- Lowest limit, 1 unit
- $541,287
- Highest limit, 1 unit
- $1,299,500
For a one-unit home, the FHA limit is $541,287 in 2,784 of the country’s 3,222 counties, and it reaches $1,299,500 in the most expensive ones. If the home you want costs more than your county’s limit, you cover the difference yourself or look at another loan type.
Computed with: FHA mortgage limits (HUD) (2026)
In numbers: FHA loan limit
FHA loan limit (1 unit): it changes by county. Here are the national floor and ceiling, and the middle county of some of the 52 states.
- National floor (one unit)
- $541,287
- National ceiling (one unit)
- $1,299,500
| State | Figure |
|---|---|
| District of Columbia | $1,249,125 |
| New Jersey | $1,249,125 |
| Hawaii | $1,110,900 |
| Massachusetts | $962,550 |
| Rhode Island | $787,750 |
If a lender mentions "FHA loan limit", think of these figures: the limit runs from $541,287, the national floor, to $1,299,500, the ceiling; in the District of Columbia, the middle county reaches $1,249,125, and 44 states have their middle county at the floor.
Sources: FHA mortgage limits (HUD) (2026 data)
Where you see it on the site
- FHA loan limit (1 unit): the data page
- FHA loan limit (1 unit): the map
- FHA loan limit (1 unit): the ranking
- Your county's page
- The the District of Columbia page
- Buying a home in the District of Columbia
- The counties of the District of Columbia
- Mortgage calculator
- Down payment savings plan
- Compare loans
- Compare places
You will see it in…
- Your county page, under “Loan limits”
- HUD's FHA Mortgage Limits lookup tool
- The Loan Estimate, as the maximum amount the bank offers you with FHA
