FHA Loan Limits and USDA Eligibility in Barnstable County, Massachusetts
2026 FHA one-unit limit in Barnstable County is $828,000. Two-unit is $1,060,000, three-unit is $1,281,300, and four-unit is $1,592,350. USDA 502 Guaranteed 1–4 person moderate income is $162,350. Enter a ZIP on the maps. USDA scores the property address, not the county.
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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Barnstable County FHA Loan Limits and USDA Income
FHA one-unit caps are county. USDA 1–4 person guaranteed income can split a county; when a ZIP lists more than one cap, both are listed. This table does not mark a ZIP as USDA eligible or ineligible.
| ZIP | FHA one-unit loan limit | USDA 1–4 person moderate income |
|---|---|---|
| 02366 | $828,000 | $155,700 |
| 02532 | $828,000 | $155,700 to $162,350 |
| 02534 | $828,000 | $162,350 |
| 02536 | $828,000 | $162,350 |
| 02537 | $828,000 | $162,350 |
| 02540 | $828,000 | $162,350 |
| 02541 | $828,000 | $162,350 |
| 02542 | $828,000 | $162,350 |
| 02543 | $828,000 | $155,850 to $162,350 |
| 02553 | $828,000 | $162,350 |
| 02556 | $828,000 | $162,350 |
| 02559 | $828,000 | $162,350 |
| 02561 | $828,000 | $162,350 |
| 02562 | $828,000 | $162,350 |
| 02563 | $828,000 | $162,350 |
| 02574 | $828,000 | $162,350 |
| 02601 | $828,000 | $162,350 |
| 02630 | $828,000 | $162,350 |
| 02631 | $828,000 | $162,350 |
| 02632 | $828,000 | $162,350 |
| 02633 | $828,000 | $162,350 |
| 02635 | $828,000 | $162,350 |
| 02637 | $828,000 | $162,350 |
| 02638 | $828,000 | $162,350 |
| 02639 | $828,000 | $162,350 |
| 02641 | $828,000 | $162,350 |
| 02642 | $828,000 | $162,350 |
| 02643 | $828,000 | $162,350 |
| 02644 | $828,000 | $162,350 |
| 02645 | $828,000 | $162,350 |
| 02646 | $828,000 | $162,350 |
| 02647 | $828,000 | $162,350 |
| 02648 | $828,000 | $162,350 |
| 02649 | $828,000 | $162,350 |
| 02650 | $828,000 | $162,350 |
| 02651 | $828,000 | $162,350 |
| 02652 | $828,000 | $162,350 |
| 02653 | $828,000 | $162,350 |
| 02655 | $828,000 | $162,350 |
| 02657 | $828,000 | $162,350 |
| 02659 | $828,000 | $162,350 |
| 02660 | $828,000 | $162,350 |
| 02661 | $828,000 | $162,350 |
| 02662 | $828,000 | $162,350 |
| 02663 | $828,000 | $162,350 |
| 02664 | $828,000 | $162,350 |
| 02666 | $828,000 | $162,350 |
| 02667 | $828,000 | $162,350 |
| 02668 | $828,000 | $162,350 |
| 02669 | $828,000 | $162,350 |
| 02670 | $828,000 | $162,350 |
| 02671 | $828,000 | $162,350 |
| 02672 | $828,000 | $162,350 |
| 02673 | $828,000 | $162,350 |
| 02675 | $828,000 | $162,350 |