What Is the FHA Loan Limit in Massachusetts?

One-unit FHA limits in Massachusetts range from $541,287 to $1,249,125. Limits are set by county, not ZIP. Enter a ZIP or use the FHA map to see 1–4 unit caps.

Are USDA Loans Available in Massachusetts?

About 54% of ZIP codes in Massachusetts have their geographic center in a USDA-eligible area. USDA scores the street address, not the county. Use the property eligibility map or a ZIP page to check a specific place.

What Is the USDA Income Limit in Massachusetts?

In Massachusetts, the 1–4 person household limit ranges from $155,700 to $209,450. The 5–8 person limit ranges from $205,550 to $276,500. Limits follow USDA area definitions, which can split a county. Enter a ZIP for the exact cap.

Does a County Decide USDA Property Eligibility?

No. USDA eligibility is the property address. This county list is FHA one-unit caps and USDA 1–4 person income figures that appear in the county. Income can split a county. Neither column marks a county as USDA eligible or ineligible.

FHA Loan Limits and USDA Eligibility in Massachusetts

2026 FHA one-unit limits in Massachusetts range from $541,287 to $1,249,125. About 54% of ZIP centers look USDA-eligible. USDA 502 Guaranteed 1–4 person income limits range from $155,700 to $209,450. Enter a ZIP on the maps. County FHA caps are listed below.

2026 FHA Loan Limits Map for Massachusetts

Massachusetts one-unit limits: —

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Standard Floor: $541,287Mid-Tier: $541,288–$750,000High-Cost: $750,001–$1,000,000Elite Zone: $1,000,001+

USDA Property Eligibility and Income Limits Map for Massachusetts

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EligibleIneligibleUSDA ineligible boundary

Massachusetts FHA and USDA Figures by County

FHA one-unit caps are county. USDA 1–4 person guaranteed income can split a county; when it does, both caps are listed. This table does not mark a county as USDA eligible or ineligible.

County	FHA one-unit loan limit	USDA 1–4 person moderate income
Barnstable County	$828,000	$162,350
Berkshire County	$541,287	$155,700
Bristol County	$787,750	$170,900
Dukes County	$1,249,125	$155,850
Essex County	$962,550	$197,100
Franklin County	$541,287	$155,700
Hampden County	$541,287	$155,700
Hampshire County	$541,287	$155,700
Middlesex County	$962,550	$157,550
Nantucket County	$1,249,125	$209,450
Norfolk County	$962,550	$155,700
Plymouth County	$962,550	$155,700
Suffolk County	$962,550	$197,100
Worcester County	$545,100	$155,700

FAQ for Massachusetts

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