FHA Announces 2026 Loan Limits with Increases in Nearly All Counties

The Federal Housing Administration (FHA) announced the 2026 loan limits for FHA-insured forward mortgages on December 11. The new limits reflect continued growth in housing prices across most of the country, with nearly all U.S. counties seeing increases from 2025 levels.

The nationwide loan limits for calendar year 2026 are:

• One-unit properties: $541,287 (low-cost area "floor") to $1,249,125 (high-cost area "ceiling")
• Two-unit properties: $693,050 to $1,599,375
• Three-unit properties: $837,700 to $1,933,200
• Four-unit properties: $1,041,125 to $2,402,625

Alaska, Hawaii, Guam, and the U.S. Virgin Islands have higher limits to account for construction costs.

FHA calculates forward mortgage limits based on median house prices in accordance with the National Housing Act, with limits set by Metropolitan Statistical Area (MSA) and county. The loan limit for each MSA is determined by the county with the highest median price within that area. Ten jurisdictions will see decreases from 2025 levels due to changes in MSA boundaries made by the Office of Management and Budget.

The new loan limits apply to case numbers assigned between January 1, 2026, and December 31, 2026. County-specific loan limits and additional information are available on FHA's website.