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2026 conforming loan limits
The Federal Housing Finance Agency (FHFA) has set the 2026 conforming loan limit for one-unit properties at $832,750 in most parts of the country. This marks a 3.26% increase from the 2025 limit, reflecting rising home prices nationwide.
Each year, the FHFA adjusts these limits based on changes in the average U.S. home price, using data from the FHFA House Price Index. This helps keep conforming loans aligned with current market conditions.
In high-cost housing markets, where 115% of the local median home value exceeds the baseline limit, the ceiling is set higher. For 2026, the maximum conforming loan limit in these areas is $1,249,125, which is 150% of the baseline.
Maximum Baseline Loan Amount for 2026
| Units | Contiguous States, District of Columbia, and Puerto Rico | Alaska, Guam, Hawaii, and the U.S. Virgin Islands |
| 1 | $832,750 | $1,249,125 |
| 2 | $1,066,250 | $1,599,375 |
| 3 | $1,288,800 | $1,933,200 |
| 4 | $1,601,750 | $2,402,625 |
Source: Fannie Mae
Certain locations, including Alaska, Hawaii, Guam, and the U.S. Virgin Islands, also qualify for this higher ceiling due to special statutory provisions. In total, conforming loan limits for 2026 increased in all but 32 U.S. counties.
Conforming loan limit map
To see the conforming loan limit for your county, check out the interactive map below or visit the FHFA’s Conforming Loan Limit (CLL) Values page. You can also download a Microsoft Excel workbook file (.xlsx) that lists the 2026 conforming loan limits for all counties and county-equivalent areas in the U.S.
You can learn about the background of U.S. conforming loan limits and how they are calculated each year on the FHFA’s 2026 Conforming Loan Limit Values FAQ page.
Conforming loan example
Let’s say you decide to purchase a one-unit home in Thomas County, Kansas, for $200,000 with a $30,000 down payment and a conventional loan for $170,000. Because your loan amount is well under the 2026 baseline conforming loan limit of $832,750, it would be considered a conforming loan.
Now, imagine you’re buying a single-family home in Santa Clara County, California, for $1 million. This area qualifies as a high-cost market, with a 2026 conforming loan limit of $1,249,125. A 20% down payment would be $200,000, leaving you with a loan of $800,000, which is still within the conforming limit.
Even if you chose a lower down payment, such as 3% ($30,000), the loan amount would be $970,000, and it would still qualify as a conforming loan because it’s under the county’s limit.
