New Mexico Loan Limits by County, 2026
FHA and conforming (Fannie Mae and Freddie Mac) limits for a one-unit home in all 33 New Mexico counties. 2 counties are high-cost areas with FHA limits above the national floor.
| County | FHA limit (1 unit) | Conforming limit (1 unit) | Area |
|---|---|---|---|
| Bernalillo County | $541,287 | $832,750 | Floor |
| Catron County | $541,287 | $832,750 | Floor |
| Chaves County | $541,287 | $832,750 | Floor |
| Cibola County | $541,287 | $832,750 | Floor |
| Colfax County | $541,287 | $832,750 | Floor |
| Curry County | $541,287 | $832,750 | Floor |
| De Baca County | $541,287 | $832,750 | Floor |
| Doña Ana County | $541,287 | $832,750 | Floor |
| Eddy County | $541,287 | $832,750 | Floor |
| Grant County | $541,287 | $832,750 | Floor |
| Guadalupe County | $541,287 | $832,750 | Floor |
| Harding County | $541,287 | $832,750 | Floor |
| Hidalgo County | $541,287 | $832,750 | Floor |
| Lea County | $541,287 | $832,750 | Floor |
| Lincoln County | $541,287 | $832,750 | Floor |
| Los Alamos County | $692,300 | $832,750 | High-cost |
| Luna County | $541,287 | $832,750 | Floor |
| McKinley County | $541,287 | $832,750 | Floor |
| Mora County | $541,287 | $832,750 | Floor |
| Otero County | $541,287 | $832,750 | Floor |
| Quay County | $541,287 | $832,750 | Floor |
| Rio Arriba County | $541,287 | $832,750 | Floor |
| Roosevelt County | $541,287 | $832,750 | Floor |
| San Juan County | $541,287 | $832,750 | Floor |
| San Miguel County | $541,287 | $832,750 | Floor |
| Sandoval County | $541,287 | $832,750 | Floor |
| Santa Fe County | $569,250 | $832,750 | High-cost |
| Sierra County | $541,287 | $832,750 | Floor |
| Socorro County | $541,287 | $832,750 | Floor |
| Taos County | $541,287 | $832,750 | Floor |
| Torrance County | $541,287 | $832,750 | Floor |
| Union County | $541,287 | $832,750 | Floor |
| Valencia County | $541,287 | $832,750 | Floor |
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.