Highest FHA limit in Vermont
$575,000
In 2026, FHA one-unit limits in Vermont range from $541,287 to $575,000 (Chittenden County). 11 of 14 counties use the national floor.
11 of 14counties at the $541,287 floor
All Vermont counties
| County | 1 unit | 2 units | 4 units | Conforming |
|---|---|---|---|---|
| Chittenden County | $575,000 | $736,100 | $1,105,800 | $832,750 |
| Franklin County | $575,000 | $736,100 | $1,105,800 | $832,750 |
| Grand Isle County | $575,000 | $736,100 | $1,105,800 | $832,750 |
| Addison County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Bennington County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Caledonia County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Essex County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lamoille County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Orange County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Orleans County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Rutland County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Washington County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Windham County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Windsor 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 Vermont for 2026?
In 2026, FHA one-unit limits in Vermont range from $541,287 to $575,000 (Chittenden County). 11 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.