2026 conforming loan limits
2026 conforming loan limits in New Mexico
New Mexico has 33 counties or equivalents in the official 2026 FHFA dataset. The applicable one-unit baseline for New Mexico 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
33
Special statutory baseline
0
High-cost area
0
Every county/equivalent in New Mexico
| County / equivalent | 1 unit | 2 units | 3 units | 4 units | Category |
|---|---|---|---|---|---|
| Bernalillo County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Catron County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Chaves County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Cibola County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Colfax County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Curry County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| De Baca County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Dona Ana County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Eddy County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Grant County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Guadalupe County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Harding County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Hidalgo County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Lea County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Lincoln County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Los Alamos County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Luna County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Mckinley County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Mora County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Otero County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Quay County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Rio Arriba County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Roosevelt County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| San Juan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| San Miguel County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Sandoval County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Santa Fe County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Sierra County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Socorro County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Taos County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Torrance County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Union County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Valencia 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 New Mexico (NM).
- 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 New Mexico: 33. Dataset SHA-256: 3e4aa578ce0db02db241e2721362e978b097fad70e1532324e0d30a798dd67a8.