Massachusetts Loan Limits by County, 2026
FHA and conforming (Fannie Mae and Freddie Mac) limits for a one-unit home in all 14 Massachusetts counties. 10 counties are high-cost areas with FHA limits above the national floor.
| County | FHA limit (1 unit) | Conforming limit (1 unit) | Area |
|---|---|---|---|
| Barnstable County | $828,000 | $832,750 | High-cost |
| Berkshire County | $541,287 | $832,750 | Floor |
| Bristol County | $787,750 | $832,750 | High-cost |
| Dukes County | $1,249,125 | $1,249,125 | High-cost |
| Essex County | $962,550 | $962,550 | High-cost |
| Franklin County | $541,287 | $832,750 | Floor |
| Hampden County | $541,287 | $832,750 | Floor |
| Hampshire County | $541,287 | $832,750 | Floor |
| Middlesex County | $962,550 | $962,550 | High-cost |
| Nantucket County | $1,249,125 | $1,249,125 | High-cost |
| Norfolk County | $962,550 | $962,550 | High-cost |
| Plymouth County | $962,550 | $962,550 | High-cost |
| Suffolk County | $962,550 | $962,550 | High-cost |
| Worcester County | $545,100 | $832,750 | High-cost |
Sources
- HUD, FHA forward mortgage loan limits for calendar year 2026 (CHUMS county limits file, Mortgagee Letter 2025-23)
- FHFA, conforming loan limits for mortgages acquired in calendar year 2026, by county
Figures are computed from the documents above and rounded to the dollar. All sources.