FHA loan limits are set annually by HUD and vary by county. They are calculated as a percentage of the conforming loan limit: the floor is 65% of the baseline conforming limit, and the ceiling is 150% for high-cost areas. For 2026, the floor is $541,287 for a one-unit property and the ceiling is $1,249,125. Every county in the country falls somewhere between those two numbers based on local home values.
2026 FHA Limits by Unit Count
- ✦One-unit: floor $541,287 | ceiling $1,249,125
- ✦Two-unit: floor $693,388 | ceiling $1,599,450
- ✦Three-unit: floor $838,013 | ceiling $1,934,100
- ✦Four-unit: floor $1,041,593 | ceiling $2,403,825
- ✦Special exception areas (Alaska, Hawaii, Guam, USVI): ceiling 150% of the standard high-cost ceiling
Key Markets in CT, NY, MA, FL, and TX
In Connecticut, Fairfield County and New Haven County are high-cost markets at or near the ceiling. Hartford and Tolland counties are generally in the mid-range. In New York, all five boroughs, Nassau County, Suffolk County, and Westchester County are at the ceiling. In Massachusetts, the Greater Boston counties including Middlesex, Suffolk, Norfolk, Essex, and Plymouth are at or near the ceiling.
In Florida, Monroe County (Florida Keys), Miami-Dade, Broward, and Palm Beach counties are high-cost ceiling markets. Most of central Florida including Orange, Hillsborough, and Pinellas are in the middle tier. North Florida and the Panhandle are generally at floor. In Texas, most of the state is at the floor. Collin and Williamson counties near Austin and Dallas are exceptions with elevated limits. Always look up the specific county before quoting.
How to Look Up Any County in Under 60 Seconds
HUD maintains a loan limit lookup tool at the FHA Mortgagee Letters section of HUD.gov. Enter the state and county and it returns limits by unit count for the current year. Fannie Mae and Freddie Mac also publish lookup tools for conforming limits. For FHA, the HUD tool is authoritative. Do not rely on memory or previous quotes for county-specific limits -- they change annually.
Loan Amount Over the FHA Limit
If a borrower needs a loan that exceeds the FHA county limit, they have three options: increase the down payment to bring the loan below the limit, switch to a conventional loan if they qualify, or use a jumbo loan if the purchase price requires a loan that exceeds conforming limits entirely. FHA does not have a jumbo product -- the county ceiling is an absolute cap.
Aria knows the 2026 FHA limits for any county and can look up specific markets by state and county in seconds. Ask at vicariointel.com.
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