FHA Loan Limits 2026 — ZIP Lookup

The 2026 FHA single-family floor is $541,287 for most U.S. counties, rising to $1,249,125 in high-cost areas. Enter a ZIP to check your tier, or scroll for the full guide.

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2026 FHA limits effective Jan 1, 2026 (HUD FHA Single Family). Floor = 65% of the $832,750 conforming limit; ceiling = 150%. Verify your exact county with the official HUD lookup (entp.hud.gov/idapp/html/hicostlook.cfm). Retrieved 2026-08-19.

2026 FHA limit table

PropertyStandard counties (floor)High-cost counties (ceiling)AK / HI / Guam / USVI
1 unit$541,287$1,249,125$1,873,687
2 units$693,050$1,599,375$2,399,050
3 units$837,700$1,933,200$2,899,800
4 units$1,041,125$2,402,625$3,603,925

Source: HUD FHA Single Family loan limits (effective Jan 1, 2026); FHFA conforming limit $832,750. Retrieved 2026-08-19.

How the 2026 limits changed

HUD raised FHA limits in 3,138 counties for 2026 — about a $17,000 increase on the floor (from $524,225 in 2025). Limits rise with median home prices: the floor is 65% of the conforming limit, and any county where 115% of the median home price exceeds the floor gets a custom county-specific limit up to the ceiling. Buyers in high-cost metros gain the most purchasing power.

FHA vs. conforming limits

The 2026 conforming (conventional) limit is $832,750. FHA's floor is set at 65% of that ($541,287), which is why FHA can finance more than conforming in many mid-price markets. If your loan amount exceeds both the FHA ceiling and the conforming limit, you are in jumbo territory, which typically requires 680+ credit and 10–20% down. Once you know your FHA limit,get prequalified for a mortgage to see how much a lender will actually lend within it.

Frequently Asked Questions

What is the FHA loan limit for 2026?
For 2026, the FHA single-family floor is $541,287 for most counties, the ceiling is $1,249,125 in high-cost areas (San Francisco, NYC, LA, Honolulu), and Alaska, Hawaii, Guam and the U.S. Virgin Islands have a special exception limit of $1,873,687. Limits are effective January 1, 2026.
How are FHA loan limits calculated?
FHA sets the floor at 65% of the FHFA conforming loan limit ($832,750 for 2026). Between the floor and ceiling, each county limit is 115% of its median home price. The ceiling is 150% of the conforming limit. HUD updated limits in 3,138 counties for 2026.
Does the FHA limit apply to the home price or loan amount?
The limit applies to the base loan amount (purchase price minus down payment), not the purchase price itself. On a $560,000 home with 3.5% down, the base loan of $540,400 stays under the $541,287 floor. The financed 1.75% UFMIP can push the total above the limit.
What are the 2026 FHA limits for multi-unit homes?
Standard-county limits for 2026: 2-unit $693,050, 3-unit $837,700, 4-unit $1,041,125. High-cost counties: 2-unit $1,599,375, 3-unit $1,933,200, 4-unit $2,402,625. Owner-occupied 2-4 unit properties qualify for FHA financing with 3.5% down.

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Disclaimer:

All calculations are approximate for planning purposes only. This tool does not provide official financial, legal, or tax advice. All financial decisions should be verified with a qualified mortgage lender or financial advisor.