Highest FHA limit in Michigan
$541,287
In 2026, FHA one-unit limits in Michigan range from $541,287 to $541,287 (Alcona County). 83 of 83 counties use the national floor.
83 of 83counties at the $541,287 floor
All Michigan counties
| County | 1 unit | 2 units | 4 units | Conforming |
|---|---|---|---|---|
| Alcona County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Alger County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Allegan County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Alpena County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Antrim County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Arenac County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Baraga County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Barry County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Bay County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Benzie County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Berrien County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Branch County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Calhoun County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Cass County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Charlevoix County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Cheboygan County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Chippewa County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Clare County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Clinton County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Crawford County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Delta County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Dickinson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Eaton County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Emmet County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Genesee County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Gladwin County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Gogebic County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Grand Traverse County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Gratiot County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hillsdale County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Houghton County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Huron County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Ingham County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Ionia County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Iosco County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Iron County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Isabella County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Jackson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Kalamazoo County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Kalkaska County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Kent County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Keweenaw County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lake County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lapeer County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Leelanau County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lenawee County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Livingston County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Luce County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Mackinac County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Macomb County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Manistee County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Marquette County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Mason County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Mecosta County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Menominee County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Midland County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Missaukee County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Monroe County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Montcalm County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Montmorency County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Muskegon County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Newaygo County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Oakland County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Oceana County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Ogemaw County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Ontonagon County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Osceola County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Oscoda County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Otsego County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Ottawa County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Presque Isle County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Roscommon County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Saginaw County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Sanilac County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Schoolcraft County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Shiawassee County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| St. Clair County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| St. Joseph County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Tuscola County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Van Buren County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Washtenaw County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Wayne County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Wexford 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 Michigan for 2026?
In 2026, FHA one-unit limits in Michigan range from $541,287 to $541,287 (Alcona County). 83 of 83 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.