2026 conforming loan limits
2026 conforming loan limits in Massachusetts
Massachusetts has 14 counties or equivalents in the official 2026 FHFA dataset. The applicable one-unit baseline for Massachusetts is $832,750 — the national baseline that applies to the contiguous states, DC, and Puerto Rico. One-unit limits in the dataset range from $832,750 to $1,249,125.
Every county/equivalent in Massachusetts
| County / equivalent | 1 unit | 2 units | 3 units | 4 units | Category |
|---|---|---|---|---|---|
| Barnstable County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Berkshire County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Bristol County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Dukes County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | High-cost area |
| Essex County | $962,550 | $1,232,250 | $1,489,500 | $1,851,100 | High-cost area |
| Franklin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Hampden County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Hampshire County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Middlesex County | $962,550 | $1,232,250 | $1,489,500 | $1,851,100 | High-cost area |
| Nantucket County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | High-cost area |
| Norfolk County | $962,550 | $1,232,250 | $1,489,500 | $1,851,100 | High-cost area |
| Plymouth County | $962,550 | $1,232,250 | $1,489,500 | $1,851,100 | High-cost area |
| Suffolk County | $962,550 | $1,232,250 | $1,489,500 | $1,851,100 | High-cost area |
| Worcester County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
Verify these numbers
- Open the official FHFA 2026 County Loan Limit List.
- Filter to Massachusetts (MA).
- Confirm the 1–4 unit limits match this table.
Dataset: Full County Loan Limit List 2026 (HERA-Based Final Flat). Publisher: Federal Housing Finance Agency. Retrieved 2026-07-29. Row count for Massachusetts: 14. Dataset SHA-256: 3e4aa578ce0db02db241e2721362e978b097fad70e1532324e0d30a798dd67a8.
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