Highest FHA limit in Maine
$615,250
In 2026, FHA one-unit limits in Maine range from $541,287 to $615,250 (Cumberland County). 13 of 16 counties use the national floor.
13 of 16counties at the $541,287 floor
All Maine counties
| County | 1 unit | 2 units | 4 units | Conforming |
|---|---|---|---|---|
| Cumberland County | $615,250 | $787,650 | $1,183,200 | $832,750 |
| Sagadahoc County | $615,250 | $787,650 | $1,183,200 | $832,750 |
| York County | $615,250 | $787,650 | $1,183,200 | $832,750 |
| Androscoggin County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Aroostook County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Franklin County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hancock County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Kennebec County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Knox County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lincoln County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Oxford County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Penobscot County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Piscataquis County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Somerset County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Waldo County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Washington County | $541,287 | $693,050 | $1,041,125 | $832,750 |
Sources: HUD FHA forward mortgage limits CY2026 (CHUMS file, case numbers assigned on or after Jan 1, 2026); FHFA 2026 conforming loan limits; Freddie Mac PMMS 30-year average 7.40% (week of 2026-10-15) for payment examples, which cover principal and interest only, before FHA mortgage insurance, taxes and insurance. Not lending advice.
Major Cities & Counties in Maine
Largest by population (Census ACS 2020–2024). Property tax for each:
- Portland pop. 68,854
- Lewiston pop. 38,324
- Bangor pop. 31,938
- South Portland pop. 26,930
- Auburn pop. 24,602
- Biddeford pop. 22,498
- Sanford pop. 22,247
- Saco pop. 20,819
- Westbrook pop. 20,775
- Augusta pop. 19,077
- Cumberland County pop. 308,827
- York County pop. 216,731
- Penobscot County pop. 154,710
- Kennebec County pop. 126,808
- Androscoggin County pop. 113,423
- Aroostook County pop. 67,058
- Oxford County pop. 59,255
- Hancock County pop. 56,460
- Somerset County pop. 50,959
- Knox County pop. 41,003
Frequently asked questions
What is the FHA loan limit in Maine for 2026?
In 2026, FHA one-unit limits in Maine range from $541,287 to $615,250 (Cumberland County). 13 of 16 counties use the national floor.
What is the FHA floor for 2026?
$541,287 for a one-unit home. The high-cost ceiling is $1,249,125.
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