Conforming Loan Limits 2026: $832,750 Baseline, $1,249,125 High-Cost
2026 conforming loan limits (FHFA): $832,750 baseline for most counties — up $26,250 (+3.25%) from 2025's $806,500. High-cost areas (parts of CA, NY, HI, DC, MA): up to $1,249,125. Multi-unit: 2-unit $1,066,250, 3-unit $1,288,800, 4-unit $1,601,750. Loans above these limits are jumbo — requiring 700+ credit, 10-20% down, and rates ~0.10-0.30% higher. Staying conforming saves ~$500/year on a $300K loan.
Last updated: October 16, 2026 · Verified against FHFA official data
Conforming Loan Limits 2026: $832,750 Baseline [County Lookup Table]
The 2026 conforming loan limit is $832,750, up $26,250 from 2025. High-cost areas go up to $1,249,125. Staying within conforming limits saves you ~0.18% on your rate — that is ~$500/year on a $300K loan. Look up your county below.
Quick Summary: 2026 Conforming Loan Limits
- ✓ Baseline (most counties): $832,750 for 1-unit (up $26,250 from 2025's $806,500). 3% down = $24,982 minimum.
- ✓ High-cost ceiling: $1,249,125 for LA, SF, NYC, Seattle, DC, Boston metro areas. 150% of baseline.
- ✓ Special statutory (AK, HI, GU, VI): Baseline $1,249,125, ceiling $1,873,675. 50% above standard.
- ✓ Why it matters: Staying under conforming saves ~0.18% vs jumbo rates. On a $300K loan, that is ~$500/year (~$15,000 over 30 years).
Quick Answer: What Is the 2026 Conforming Loan Limit?
The 2026 conforming loan limit is $832,750 for 1-unit properties in most of the US, up 3.26% from 2025 ($806,500). In high-cost areas, the limit goes up to $1,249,125. FHFA announced these limits on November 25, 2025, based on the Q3 2025 FHFA House Price Index showing 3.26% year-over-year home price growth.
Example: Buying a $450K home with 5% down? Your $427,500 loan is well under the $832,750 baseline, so you get conforming rates (currently ~7.40% vs jumbo ~7.58%). That 0.18% gap saves you ~$45/month, ~$16,000 over 30 years. Get pre-approved at conforming rates.
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2026 Conforming Loan Limits by Property Type
| Property Type | Baseline (Most Counties) | High-Cost Areas | Alaska/Hawaii/Guam/USVI |
|---|---|---|---|
| 1-Unit (Single Family) | $832,750 | $1,249,125 | $1,249,125 |
| 2-Unit (Duplex) | $1,066,250 | $1,599,375 | $1,599,375 |
| 3-Unit (Triplex) | $1,288,800 | $1,933,200 | $1,933,200 |
| 4-Unit (Fourplex) | $1,601,750 | $2,402,625 | $2,402,625 |
Conforming Loan Limits by State (15 Most Searched)
| State | 1-Unit Limit | High-Cost? | High-Cost Counties | Get Pre-Approved |
|---|---|---|---|---|
| Alabama | $832,750 | No | All counties | Get Rate → |
| California | $832,750-$1,249,125 | Yes | LA, SF, San Diego, Orange | Get Rate → |
| Colorado | $832,750-$1,249,125 | Yes | Denver, Boulder, Eagle | Get Rate → |
| Connecticut | $832,750-$1,249,125 | Yes | Fairfield (Stamford area) | Get Rate → |
| Florida | $832,750-$1,249,125 | Some | Monroe (Keys), Collier | Get Rate → |
| Georgia | $832,750 | No | All counties | Get Rate → |
| Hawaii | $1,249,125-$1,873,675 | All | All counties (special statutory, 50% above ceiling) | Get Rate → |
| Idaho | $832,750-$977,500 | Some | Blaine (Sun Valley) | Get Rate → |
| Illinois | $832,750 | No | All counties | Get Rate → |
| Massachusetts | $832,750-$1,249,125 | Yes | Nantucket, Dukes, Suffolk | Get Rate → |
| New Jersey | $832,750-$1,249,125 | Yes | Bergen, Essex, Hudson | Get Rate → |
| New York | $832,750-$1,249,125 | Yes | NYC (all boroughs), Westchester | Get Rate → |
| Texas | $832,750 | No | All counties | Get Rate → |
| Virginia | $832,750-$1,249,125 | Yes | Arlington, Fairfax, Loudoun | Get Rate → |
| Washington | $832,750-$1,249,125 | Yes | King (Seattle), San Juan | Get Rate → |
Source: FHFA 2026 Conforming Loan Limit values. Look up your exact county on FHFA.gov →
📍 YOUR COUNTY'S LIMIT QUALIFIES YOU FOR THESE LENDERS
Found Your Conforming Limit? Now Lock the Best Rate
Staying within conforming limits saves you ~0.18% vs a jumbo loan — that’s $55/month on a $400K loan. Compare lenders who offer the lowest conforming rates in your state today.
Today's best conforming rate
7.40%
vs jumbo 7.58% avg
Save ~$55/mo on $400K
🔗 Related Loan Limit Guides
Stay Within Conforming Limits = Better Rates + Lower Down Payment
Conforming loans offer rates ~0.10-0.30% lower than jumbo. Compare 50+ lenders in 3 minutes. No credit impact.
Compare Conforming Loan Rates →How Much You Save: Conforming vs Jumbo by Loan Amount
Staying within the $832,750 conforming limit means you get a lower interest rate. Here is exactly how much you save per month and over 30 years:
| Loan Amount | Conforming Rate (7.40%) | Jumbo Rate (7.58%) | Monthly Savings | 30-Year Savings |
|---|---|---|---|---|
| $300,000 | $2,077 | $2,118 | $41 | $14,800 |
| $400,000 | $2,769 | $2,824 | $55 | $19,800 |
| $500,000 | $3,462 | $3,530 | $68 | $24,500 |
| $700,000 | $4,847 | $4,942 | $95 | $34,200 |
| $832,750 | $5,772 | $5,886 | $114 | $41,000 |
Based on 30-year fixed rates as of Oct 16, 2026. Conforming 7.40% (Freddie Mac PMMS) vs jumbo 7.58% (Bankrate) — an 0.18% jumbo premium. Your actual savings depend on credit score, lender, and market conditions. Get your exact rate quote →
Conforming vs Jumbo Loan: Key Differences
| Feature | Conforming Loan | Jumbo Loan | Winner |
|---|---|---|---|
| Max Loan Amount | $832,750 (baseline) | $1M-$3M+ | Jumbo (higher) |
| Interest Rate | 7.30-7.55% | 7.45-7.80% | 🏆 Conforming |
| Down Payment | 3-5% min | 10-20% min | 🏆 Conforming |
| Credit Score Min | 620 | 700-720 | 🏆 Conforming |
| DTI Ratio Max | 45-50% | 38-43% | 🏆 Conforming |
| PMI Available | Yes (until 20% equity) | Usually no | 🏆 Conforming |
| Documentation | Standard | Extensive | 🏆 Conforming |
| Cash Reserves | 0-2 months | 6-12 months | 🏆 Conforming |
Verdict: If your loan is near the conforming limit, staying below $832,750 saves you ~0.18% on rate, requires less down payment, and makes qualification easier. Get pre-approved for a conforming loan →
Not sure if your loan is conforming or jumbo? Check in 60 seconds.
2025 vs 2026 Conforming Loan Limits Comparison
| Property Type | 2025 Baseline | 2026 Baseline | 2025 Ceiling | 2026 Ceiling |
|---|---|---|---|---|
| 1-Unit | $806,500 | $832,750 | $1,209,750 | $1,249,125 |
| 2-Unit | $1,032,650 | $1,066,250 | $1,548,975 | $1,599,375 |
| 3-Unit | $1,248,150 | $1,288,800 | $1,872,225 | $1,933,200 |
| 4-Unit | $1,551,250 | $1,601,750 | $2,326,875 | $2,402,625 |
Source: FHFA Conforming Loan Limit Values, November 25, 2025. Baseline increased 3.26% based on Q3 2025 FHFA House Price Index. High-cost ceiling = 150% of baseline.
Your loan might now qualify for conforming rates with the 2026 increase!
Check If I Now Qualify →Limit History: How Conforming Limits Have Grown
| Year | Baseline Limit | Change | % Increase |
|---|---|---|---|
| 2020 | $510,400 | +$26,050 | +5.4% |
| 2021 | $548,250 | +$37,850 | +7.4% |
| 2022 | $647,200 | +$98,950 | +18.0% |
| 2023 | $726,200 | +$79,000 | +12.2% |
| 2024 | $766,550 | +$40,350 | +5.6% |
| 2025 | $806,500 | +$39,950 | +5.2% |
| 2026 | $832,750 | +$26,250 | +3.25% |
💰 Staying Conforming Saves You ~$20,000 Over 30 Years
On a $400K loan, the ~0.18% rate difference between conforming and jumbo costs you ~$55/month extra — that is ~$19,800 over 30 years. Check if your loan fits within conforming limits and lock the lower rate today.
Compare Conforming Rates →Free • No SSN • Soft credit pull only
Frequently Asked Questions: Conforming Loan Limits 2026
Q1.What are the conforming loan limits for 2026?
The 2026 conforming loan limits set by FHFA range from a baseline of approximately $832,750 for most counties to over $1.2 million in high-cost areas. Limits increased from 2025. Multi-unit properties have higher limits. Loans exceeding these limits are classified as jumbo loans and require stricter qualification. Look up your county's exact conforming loan limit →Check your personalized rate →
→ Find your county conforming limit and get pre-approved →Q2.What is the difference between conforming and jumbo loans?
Conforming loans meet FHFA size limits ($832,750 in most areas) and can be sold to Fannie Mae/Freddie Mac. Jumbo loans exceed these limits. Key differences: Conforming rates average ~7.40% vs jumbo ~7.58% (Oct 2026). Conforming requires 3-5% down vs jumbo 10-20%. Conforming credit minimum 620 vs jumbo 700-720. Conforming has more flexible DTI (up to 50%) vs jumbo (43% typically). Conforming allows PMI vs jumbo often requires 20% down. For most buyers, staying within conforming limits saves money on rate and down payment. Compare conforming vs jumbo loan rates →Check your personalized rate →
→ Compare conforming vs jumbo lenders →Q3.How do I find the conforming loan limit for my county?
To find your county conforming loan limit: (1) Visit FHFA.gov/DataTools/Tools/Pages/Conforming-Loan-Limit-Map.aspx. (2) Enter your state and county. (3) The tool shows limits for 1-4 unit properties. Most counties use the baseline $832,750. High-cost counties (parts of CA, NY, WA, CO, MA, HI) have higher limits up to $1,249,125. The FHFA updates limits annually based on home price appreciation — the 2026 increase reflects 3.25% home price growth in 2025. See if your loan is now conforming →Check your personalized rate →
→ Get pre-approved within conforming limits →Q4.Did conforming loan limits increase for 2026?
Yes. The 2026 conforming loan limit increased to $832,750, up from $806,500 in 2025 — a $26,250 increase (3.25%). This is the 11th consecutive annual increase. History: 2022: $647,200. 2023: $726,200. 2024: $766,550. 2025: $806,500. 2026: $832,750. High-cost area limits also increased proportionally to $1,249,125. This means more buyers can qualify for conforming loans (better rates, lower down payments) instead of jumbo loans. Get pre-approved within conforming limits →Check your personalized rate →
→ Compare lenders with new 2026 limits →Related Guides
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