Highest FHA limit in New Mexico
$692,300
In 2026, FHA one-unit limits in New Mexico range from $541,287 to $692,300 (Los Alamos County). 31 of 33 counties use the national floor.
31 of 33counties at the $541,287 floor
All New Mexico counties
| County | 1 unit | 2 units | 4 units | Conforming |
|---|---|---|---|---|
| Los Alamos County | $692,300 | $886,250 | $1,331,350 | $832,750 |
| Santa Fe County | $569,250 | $728,750 | $1,094,700 | $832,750 |
| Bernalillo County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Catron County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Chaves County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Cibola County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Colfax County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Curry County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| De Baca County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Doña Ana County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Eddy County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Grant County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Guadalupe County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Harding County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hidalgo County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lea County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lincoln County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Luna County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| McKinley County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Mora County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Otero County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Quay County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Rio Arriba County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Roosevelt County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| San Juan County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| San Miguel County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Sandoval County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Sierra County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Socorro County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Taos County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Torrance County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Union County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Valencia 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 New Mexico for 2026?
In 2026, FHA one-unit limits in New Mexico range from $541,287 to $692,300 (Los Alamos County). 31 of 33 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.