Quick answer
The 2026 baseline conforming loan limit for one-unit homes is $832,750 in most of the US, with a high-cost ceiling of $1,249,125, per FHFA; limits for every county are linked below.
Data as of 2026. Source: FHFA, 2026 conforming loan limits
| State | Counties |
|---|---|
| Alaska | 30 |
| Alabama | 67 |
| Arkansas | 75 |
| American Samoa | 5 |
| Arizona | 15 |
| California | 58 |
| Colorado | 64 |
| Connecticut | 9 |
| District of Columbia | 1 |
| Delaware | 3 |
| Florida | 67 |
| Georgia | 159 |
| Guam | 1 |
| Hawaii | 5 |
| Iowa | 99 |
| Idaho | 44 |
| Illinois | 102 |
| Indiana | 92 |
| Kansas | 105 |
| Kentucky | 120 |
| Louisiana | 64 |
| Massachusetts | 14 |
| Maryland | 24 |
| Maine | 16 |
| Michigan | 83 |
| Minnesota | 87 |
| Missouri | 115 |
| Northern Mariana Islands | 4 |
| Mississippi | 82 |
| Montana | 56 |
| North Carolina | 100 |
| North Dakota | 53 |
| Nebraska | 93 |
| New Hampshire | 10 |
| New Jersey | 21 |
| New Mexico | 33 |
| Nevada | 17 |
| New York | 62 |
| Ohio | 88 |
| Oklahoma | 77 |
| Oregon | 36 |
| Pennsylvania | 67 |
| Puerto Rico | 78 |
| Rhode Island | 5 |
| South Carolina | 46 |
| South Dakota | 66 |
| Tennessee | 95 |
| Texas | 254 |
| Utah | 29 |
| Virginia | 133 |
| U.S. Virgin Islands | 3 |
| Vermont | 14 |
| Washington | 39 |
| Wisconsin | 72 |
| West Virginia | 55 |
| Wyoming | 23 |
Related
- 2026 conforming loan limit: Abbeville County, SC
- 2026 conforming loan limit: Acadia Parish, LA
- 2026 conforming loan limit: Accomack County, VA
- 2026 conforming loan limit: Ada County, ID
- 2026 conforming loan limit: Adair County, IA
Last updated 2026-10-16. Data only, not financial or tax advice.