Vermont Loan Limits by County, 2026
FHA and conforming (Fannie Mae and Freddie Mac) limits for a one-unit home in all 14 Vermont counties. 3 counties are high-cost areas with FHA limits above the national floor.
| County | FHA limit (1 unit) | Conforming limit (1 unit) | Area |
|---|---|---|---|
| Addison County | $541,287 | $832,750 | Floor |
| Bennington County | $541,287 | $832,750 | Floor |
| Caledonia County | $541,287 | $832,750 | Floor |
| Chittenden County | $575,000 | $832,750 | High-cost |
| Essex County | $541,287 | $832,750 | Floor |
| Franklin County | $575,000 | $832,750 | High-cost |
| Grand Isle County | $575,000 | $832,750 | High-cost |
| Lamoille County | $541,287 | $832,750 | Floor |
| Orange County | $541,287 | $832,750 | Floor |
| Orleans County | $541,287 | $832,750 | Floor |
| Rutland County | $541,287 | $832,750 | Floor |
| Washington County | $541,287 | $832,750 | Floor |
| Windham County | $541,287 | $832,750 | Floor |
| Windsor 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.