2026 Conforming Loan Limits by County
Conforming loan limits define the maximum loan size Fannie Mae and Freddie Mac will purchase. Loans above this threshold are “jumbo” mortgages, which typically carry stricter credit and down-payment requirements. The 2026 baseline conforming limit is $832,750 — a 3.26% increase from 2025.
2026 Baseline (1-Unit)
$832,750
Most US counties
High-Cost Ceiling (1-Unit)
$1,249,125
150% of baseline — CA, NY, HI, DC
Year-over-Year Change
+3.26%
Up from $806,500 in 2025
How 2026 Conforming Loan Limits Work
The Federal Housing Finance Agency (FHFA) sets conforming loan limits annually using the House Price Index (HPI). Because the HPI rose 3.26% between Q3 2024 and Q3 2025, FHFA raised the 2026 baseline from $806,500 to $832,750 — the largest single-year adjustment since 2022.
High-cost areas — where 115% of the local median home price exceeds the baseline — receive an elevated limit up to 150% of the baseline ($1,249,125). Counties that qualify include most of coastal California, King County (WA), and the DC metro area. Alaska and Hawaii use the high-cost ceiling by statute.
When a loan exceeds the conforming limit for the county, it becomes a jumbo mortgage. Jumbo loans are held on lender balance sheets rather than sold to Fannie or Freddie, which typically means stricter credit requirements (often 720+ credit score), larger down payments (10–20%), and slightly higher interest rates. In high-cost coastal markets, even median-priced homes can require jumbo financing.
For multi-unit properties — duplexes, triplexes, and fourplexes — conforming limits scale up significantly, making agency financing accessible for house-hacking strategies even in expensive markets.
2026 Conforming Limits by Unit Count
| Units | Baseline | High-Cost Ceiling |
|---|---|---|
| 1 Unit (Single-family) | $832,750 | $1,249,125 |
| 2 Unit (Duplex) | $1,066,250 | $1,599,550 |
| 3 Unit (Triplex) | $1,288,800 | $1,934,050 |
| 4 Unit (Fourplex) | $1,601,750 | $2,403,575 |
Source: FHFA 2026 conforming loan limit announcement. Effective January 1, 2026.
Browse 2026 Conforming Limits by State
Conforming loan limits shown are for educational purposes only. Verify with your lender or FHFA’s official lookup tool before applying. Source: FHFA 2026conforming loan limit announcement, effective January 1, 2026.