FHA Loan Limits and USDA Eligibility in Essex County, Massachusetts
2026 FHA one-unit limit in Essex County is $962,550. Two-unit is $1,232,250, three-unit is $1,489,500, and four-unit is $1,851,100. USDA 502 Guaranteed 1–4 person moderate income is $197,100. 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
Essex 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 |
|---|---|---|
| 01810 | $962,550 | $197,100 |
| 01830 | $962,550 | $197,100 |
| 01831 | $962,550 | $197,100 |
| 01832 | $962,550 | $197,100 |
| 01833 | $962,550 | $197,100 |
| 01834 | $962,550 | $197,100 |
| 01835 | $962,550 | $197,100 |
| 01840 | $962,550 | $197,100 |
| 01841 | $962,550 | $197,100 |
| 01842 | $962,550 | $197,100 |
| 01843 | $962,550 | $197,100 |
| 01844 | $962,550 | $197,100 |
| 01845 | $962,550 | $197,100 |
| 01860 | $962,550 | $197,100 |
| 01885 | $962,550 | $197,100 |
| 01899 | $962,550 | $197,100 |
| 01901 | $962,550 | $197,100 |
| 01902 | $962,550 | $197,100 |
| 01903 | $962,550 | $197,100 |
| 01904 | $962,550 | $197,100 |
| 01905 | $962,550 | $197,100 |
| 01906 | $962,550 | $197,100 |
| 01907 | $962,550 | $197,100 |
| 01908 | $962,550 | $197,100 |
| 01910 | $962,550 | $197,100 |
| 01913 | $962,550 | $197,100 |
| 01915 | $962,550 | $197,100 |
| 01921 | $962,550 | $197,100 |
| 01922 | $962,550 | $197,100 |
| 01923 | $962,550 | $197,100 |
| 01929 | $962,550 | $197,100 |
| 01930 | $962,550 | $197,100 |
| 01936 | $962,550 | $197,100 |
| 01937 | $962,550 | $197,100 |
| 01938 | $962,550 | $197,100 |
| 01940 | $962,550 | $197,100 |
| 01944 | $962,550 | $197,100 |
| 01945 | $962,550 | $197,100 |
| 01949 | $962,550 | $197,100 |
| 01950 | $962,550 | $197,100 |
| 01951 | $962,550 | $197,100 |
| 01952 | $962,550 | $197,100 |
| 01960 | $962,550 | $197,100 |
| 01965 | $962,550 | $197,100 |
| 01966 | $962,550 | $197,100 |
| 01969 | $962,550 | $197,100 |
| 01970 | $962,550 | $197,100 |
| 01982 | $962,550 | $197,100 |
| 01983 | $962,550 | $197,100 |
| 01984 | $962,550 | $197,100 |
| 01985 | $962,550 | $197,100 |
| 02305 | $962,550 | $197,100 |