Loan limit lookup
2026 conforming loan limits by county
The Federal Housing Finance Agency publishes annual conforming loan limits for every US county and equivalent area. This tool searches the official 2026 dataset (3,235 counties/equivalents) and shows the one-, two-, three-, and four-unit limits. It does not quote a rate, price, or eligibility decision.
30 results — click a row to see full unit limits.
| State | County | 1-unit limit | Category |
|---|---|---|---|
| AL | $832,750 | Baseline | |
| AL | $832,750 | Baseline | |
| AL | $832,750 | Baseline | |
| AL | $832,750 | Baseline | |
| AL | $832,750 | Baseline | |
| AL | $832,750 | Baseline | |
| AL | $832,750 | Baseline | |
| AL | $832,750 | Baseline | |
| AL | $832,750 | Baseline | |
| AL | $832,750 | Baseline | |
| AL | $832,750 | Baseline | |
| AL | $832,750 | Baseline | |
| AL | $832,750 | Baseline | |
| AL | $832,750 | Baseline | |
| AL | $832,750 | Baseline | |
| AL | $832,750 | Baseline | |
| AL | $832,750 | Baseline | |
| AL | $832,750 | Baseline | |
| AL | $832,750 | Baseline | |
| AL | $832,750 | Baseline | |
| AL | $832,750 | Baseline | |
| AL | $832,750 | Baseline | |
| AL | $832,750 | Baseline | |
| AL | $832,750 | Baseline | |
| AL | $832,750 | Baseline | |
| AL | $832,750 | Baseline | |
| AL | $832,750 | Baseline | |
| AL | $832,750 | Baseline | |
| AL | $832,750 | Baseline | |
| AL | $832,750 | Baseline |
How this tool works
The Federal Housing Finance Agency publishes annual conforming loan limits after each year's County Loan Limit List. We downloaded the official 2026 file on 2026-07-29, validated every row, and embedded the dataset in this page so lookups are deterministic and private.
Why limits vary by county
Under HERA, FHFA publishes two statutory one-unit baselines. The standard baseline ($832,750) applies to the contiguous states, the District of Columbia, and Puerto Rico. In those standard-baseline jurisdictions, counties whose FHFA-measured area median home value exceeds the applicable threshold receive a higher “high-cost” area limit calculated under the HERA high-cost formula, subject to the HERA statutory ceiling.
Alaska, Hawaii, Guam, and the US Virgin Islands use separate statutory baseline and ceiling provisions ($1,249,125 baseline in the 2026 dataset). Those jurisdictions do not use the standard-baseline ceiling rule, so for any specific county or equivalent in Alaska, Hawaii, Guam, or the US Virgin Islands, use the actual official row above rather than a general percentage of the standard baseline.
The three categories
- Baseline
- This county's one-unit limit equals the national baseline that applies to the contiguous states, the District of Columbia, and Puerto Rico.
- Special statutory baseline
- This county or equivalent sits in Alaska, Hawaii, Guam, or the US Virgin Islands, where a separate statutory baseline applies to every county in the jurisdiction.
- High-cost area
- This county's one-unit limit is above the baseline that applies to its jurisdiction because FHFA determined its area median home value exceeds the applicable threshold.
How to verify a result
- Open the official FHFA 2026 dataset.
- Find your state and county row.
- Confirm the one- through four-unit limits match this page.
Dataset: Full County Loan Limit List 2026 (HERA-Based Final Flat). Publisher: Federal Housing Finance Agency. Retrieved 2026-07-29. Row count: 3,235. SHA-256: 3e4aa578ce0db02db241e2721362e978b097fad70e1532324e0d30a798dd67a8.