FHA Loan Limits and USDA Eligibility in Berkshire County, Massachusetts
2026 FHA one-unit limit in Berkshire County is $541,287. Two-unit is $693,050, three-unit is $837,700, and four-unit is $1,041,125. USDA 502 Guaranteed 1–4 person moderate income is $155,700. 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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EligibleIneligibleUSDA ineligible boundary
Berkshire 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 |
|---|---|---|
| 01029 | $541,287 | $155,700 |
| 01201 | $541,287 | $155,700 |
| 01202 | $541,287 | $155,700 |
| 01220 | $541,287 | $155,700 |
| 01222 | $541,287 | $155,700 |
| 01223 | $541,287 | $155,700 |
| 01224 | $541,287 | $155,700 |
| 01225 | $541,287 | $155,700 |
| 01226 | $541,287 | $155,700 |
| 01229 | $541,287 | $155,700 |
| 01230 | $541,287 | $155,700 |
| 01235 | $541,287 | $155,700 |
| 01236 | $541,287 | $155,700 |
| 01237 | $541,287 | $155,700 |
| 01238 | $541,287 | $155,700 |
| 01240 | $541,287 | $155,700 |
| 01242 | $541,287 | $155,700 |
| 01244 | $541,287 | $155,700 |
| 01245 | $541,287 | $155,700 |
| 01247 | $541,287 | $155,700 |
| 01252 | $541,287 | $155,700 |
| 01253 | $541,287 | $155,700 |
| 01254 | $541,287 | $155,700 |
| 01255 | $541,287 | $155,700 |
| 01256 | $541,287 | $155,700 |
| 01257 | $541,287 | $155,700 |
| 01258 | $541,287 | $155,700 |
| 01259 | $541,287 | $155,700 |
| 01260 | $541,287 | $155,700 |
| 01262 | $541,287 | $155,700 |
| 01264 | $541,287 | $155,700 |
| 01266 | $541,287 | $155,700 |
| 01267 | $541,287 | $155,700 |
| 01270 | $541,287 | $155,700 |
| 01343 | $541,287 | $155,700 |