2026 FHA Loan Limits Map
Enter a property ZIP to see every county FHA lists for it and the 2026 1–4 unit caps. Limits are set by county. The property address picks the county on the loan.
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Standard Floor: $541,287Mid-Tier: $541,288–$750,000High-Cost: $750,001–$1,000,000Elite Zone: $1,000,001+For official verification, see HUD.gov
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2026 one-unit floor and ceiling
From HUD for case numbers assigned on or after January 1, 2026. Most counties sit at the floor. High-cost counties can reach the ceiling. Alaska, Hawaii, Guam, and the U.S. Virgin Islands use the same high-cost ceiling in 2026.
Floor (most counties)
$541,287
One-unit home in a standard-cost area.
High-cost ceiling
$1,249,125
One-unit home in a designated high-cost county.
2026 limits from HUD's CY2026 FHA Forward Limits · ZIP-to-county from the CHUMS ZIP file · File layouts · Confirm a county on the official HUD lookup.
Frequently Asked Questions
FHA loan limits by state
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