2026 conforming loan limits
2026 conforming loan limits in Michigan
Michigan has 83 counties or equivalents in the official 2026 FHFA dataset. The applicable one-unit baseline for Michigan 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 $832,750.
Baseline
83
Special statutory baseline
0
High-cost area
0
Every county/equivalent in Michigan
| County / equivalent | 1 unit | 2 units | 3 units | 4 units | Category |
|---|---|---|---|---|---|
| Alcona County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Alger County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Allegan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Alpena County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Antrim County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Arenac County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Baraga County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Barry County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Bay County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Benzie County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Berrien County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Branch County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Calhoun County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Cass County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Charlevoix County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Cheboygan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Chippewa County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Clare County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Clinton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Crawford County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Delta County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Dickinson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Eaton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Emmet County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Genesee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Gladwin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Gogebic County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Grand Traverse County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Gratiot County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Hillsdale County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Houghton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Huron County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Ingham County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Ionia County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Iosco County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Iron County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Isabella County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Jackson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Kalamazoo County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Kalkaska County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Kent County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Keweenaw County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Lake County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Lapeer County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Leelanau County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Lenawee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Livingston County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Luce County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Mackinac County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Macomb County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Manistee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Marquette County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Mason County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Mecosta County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Menominee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Midland County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Missaukee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Monroe County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Montcalm County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Montmorency County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Muskegon County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Newaygo County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Oakland County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Oceana County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Ogemaw County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Ontonagon County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Osceola County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Oscoda County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Otsego County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Ottawa County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Presque Isle County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Roscommon County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Saginaw County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Sanilac County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Schoolcraft County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Shiawassee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| St. Clair County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| St. Joseph County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Tuscola County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Van Buren County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Washtenaw County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Wayne County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Wexford 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 Michigan (MI).
- 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 Michigan: 83. Dataset SHA-256: 3e4aa578ce0db02db241e2721362e978b097fad70e1532324e0d30a798dd67a8.
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