FHA Loan Limits and USDA Eligibility in Hampden County, Massachusetts
2026 FHA one-unit limit in Hampden 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
Hampden 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 |
|---|---|---|
| 01001 | $541,287 | $155,700 |
| 01008 | $541,287 | $155,700 |
| 01009 | $541,287 | $155,700 |
| 01010 | $541,287 | $155,700 |
| 01011 | $541,287 | $155,700 |
| 01013 | $541,287 | $155,700 |
| 01014 | $541,287 | $155,700 |
| 01020 | $541,287 | $155,700 |
| 01021 | $541,287 | $155,700 |
| 01022 | $541,287 | $155,700 |
| 01028 | $541,287 | $155,700 |
| 01030 | $541,287 | $155,700 |
| 01034 | $541,287 | $155,700 |
| 01036 | $541,287 | $155,700 |
| 01040 | $541,287 | $155,700 |
| 01041 | $541,287 | $155,700 |
| 01056 | $541,287 | $155,700 |
| 01057 | $541,287 | $155,700 |
| 01069 | $541,287 | $155,700 |
| 01071 | $541,287 | $155,700 |
| 01077 | $541,287 | $155,700 |
| 01079 | $541,287 | $155,700 |
| 01080 | $541,287 | $155,700 |
| 01081 | $541,287 | $155,700 |
| 01085 | $541,287 | $155,700 |
| 01086 | $541,287 | $155,700 |
| 01089 | $541,287 | $155,700 |
| 01090 | $541,287 | $155,700 |
| 01095 | $541,287 | $155,700 |
| 01097 | $541,287 | $155,700 |
| 01101 | $541,287 | $155,700 |
| 01103 | $541,287 | $155,700 |
| 01104 | $541,287 | $155,700 |
| 01105 | $541,287 | $155,700 |
| 01106 | $541,287 | $155,700 |
| 01107 | $541,287 | $155,700 |
| 01108 | $541,287 | $155,700 |
| 01109 | $541,287 | $155,700 |
| 01111 | $541,287 | $155,700 |
| 01115 | $541,287 | $155,700 |
| 01118 | $541,287 | $155,700 |
| 01119 | $541,287 | $155,700 |
| 01128 | $541,287 | $155,700 |
| 01129 | $541,287 | $155,700 |
| 01151 | $541,287 | $155,700 |
| 01521 | $541,287 | $155,700 |
| 01702 | $541,287 | $157,550 |