Highest FHA limit in Massachusetts
$1,249,125
In 2026, FHA one-unit limits in Massachusetts range from $541,287 to $1,249,125 (Dukes County). 4 of 14 counties use the national floor.
4 of 14counties at the $541,287 floor
All Massachusetts counties
| County | 1 unit | 2 units | 4 units | Conforming |
|---|---|---|---|---|
| Dukes County | $1,249,125 | $1,599,375 | $2,402,625 | $1,249,125 |
| Nantucket County | $1,249,125 | $1,599,375 | $2,402,625 | $1,249,125 |
| Essex County | $962,550 | $1,232,250 | $1,851,100 | $962,550 |
| Middlesex County | $962,550 | $1,232,250 | $1,851,100 | $962,550 |
| Norfolk County | $962,550 | $1,232,250 | $1,851,100 | $962,550 |
| Plymouth County | $962,550 | $1,232,250 | $1,851,100 | $962,550 |
| Suffolk County | $962,550 | $1,232,250 | $1,851,100 | $962,550 |
| Barnstable County | $828,000 | $1,060,000 | $1,592,350 | $832,750 |
| Bristol County | $787,750 | $1,008,450 | $1,514,950 | $832,750 |
| Worcester County | $545,100 | $697,800 | $1,048,300 | $832,750 |
| Berkshire County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Franklin County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hampden County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hampshire 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.
Frequently asked questions
What is the FHA loan limit in Massachusetts for 2026?
In 2026, FHA one-unit limits in Massachusetts range from $541,287 to $1,249,125 (Dukes County). 4 of 14 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.