FHA Loan Limits and USDA Eligibility in Michigan
2026 FHA one-unit limit in Michigan is $541,287. About 76% of ZIP centers look USDA-eligible. USDA 502 Guaranteed 1–4 person income limits range from $122,800 to $153,550. Enter a ZIP on the maps. County FHA caps are listed below.
2026 FHA Loan Limits Map for Michigan
Michigan 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 Michigan
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EligibleIneligibleUSDA ineligible boundary
Michigan 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 |
|---|---|---|
| Alcona County | $541,287 | $122,800 |
| Alger County | $541,287 | $122,800 |
| Allegan County | $541,287 | $122,800 |
| Alpena County | $541,287 | $122,800 |
| Antrim County | $541,287 | $122,800 |
| Arenac County | $541,287 | $122,800 |
| Baraga County | $541,287 | $122,800 |
| Barry County | $541,287 | $122,800 |
| Bay County | $541,287 | $122,800 |
| Benzie County | $541,287 | $122,800 |
| Berrien County | $541,287 | $122,800 |
| Branch County | $541,287 | $122,800 |
| Calhoun County | $541,287 | $122,800 |
| Cass County | $541,287 | $122,800 |
| Charlevoix County | $541,287 | $122,800 |
| Cheboygan County | $541,287 | $122,800 |
| Chippewa County | $541,287 | $122,800 |
| Clare County | $541,287 | $122,800 |
| Clinton County | $541,287 | $122,800 |
| Crawford County | $541,287 | $122,800 |
| Delta County | $541,287 | $122,800 |
| Dickinson County | $541,287 | $122,800 |
| Eaton County | $541,287 | $122,800 |
| Emmet County | $541,287 | $122,800 |
| Genesee County | $541,287 | $122,800 |
| Gladwin County | $541,287 | $122,800 |
| Gogebic County | $541,287 | $122,800 |
| Grand Traverse County | $541,287 | $130,950 |
| Gratiot County | $541,287 | $122,800 |
| Hillsdale County | $541,287 | $122,800 |
| Houghton County | $541,287 | $122,800 |
| Huron County | $541,287 | $122,800 |
| Ingham County | $541,287 | $122,800 |
| Ionia County | $541,287 | $122,800 |
| Iosco County | $541,287 | $122,800 |
| Iron County | $541,287 | $122,800 |
| Isabella County | $541,287 | $122,800 |
| Jackson County | $541,287 | $122,800 |
| Kalamazoo County | $541,287 | $122,800 |
| Kalkaska County | $541,287 | $122,800 |
| Kent County | $541,287 | $122,800 |
| Keweenaw County | $541,287 | $122,800 |
| Lake County | $541,287 | $122,800 |
| Lapeer County | $541,287 | $122,800 |
| Leelanau County | $541,287 | $140,450 |
| Lenawee County | $541,287 | $122,800 |
| Livingston County | $541,287 | $150,200 |
| Luce County | $541,287 | $122,800 |
| Mackinac County | $541,287 | $122,800 |
| Macomb County | $541,287 | $122,800 |
| Manistee County | $541,287 | $122,800 |
| Marquette County | $541,287 | $122,800 |
| Mason County | $541,287 | $122,800 |
| Mecosta County | $541,287 | $122,800 |
| Menominee County | $541,287 | $122,800 |
| Midland County | $541,287 | $123,250 |
| Missaukee County | $541,287 | $122,800 |
| Monroe County | $541,287 | $122,800 |
| Montcalm County | $541,287 | $122,800 |
| Montmorency County | $541,287 | $122,800 |
| Muskegon County | $541,287 | $122,800 |
| Newaygo County | $541,287 | $122,800 |
| Oakland County | $541,287 | $122,800 |
| Oceana County | $541,287 | $122,800 |
| Ogemaw County | $541,287 | $122,800 |
| Ontonagon County | $541,287 | $122,800 |
| Osceola County | $541,287 | $122,800 |
| Oscoda County | $541,287 | $122,800 |
| Otsego County | $541,287 | $122,800 |
| Ottawa County | $541,287 | $130,750 |
| Presque Isle County | $541,287 | $122,800 |
| Roscommon County | $541,287 | $122,800 |
| Saginaw County | $541,287 | $122,800 |
| Sanilac County | $541,287 | $122,800 |
| Schoolcraft County | $541,287 | $122,800 |
| Shiawassee County | $541,287 | $122,800 |
| St. Clair County | $541,287 | $122,800 |
| St. Joseph County | $541,287 | $122,800 |
| Tuscola County | $541,287 | $122,800 |
| Van Buren County | $541,287 | $122,800 |
| Washtenaw County | $541,287 | $153,550 |
| Wayne County | $541,287 | $122,800 |
| Wexford County | $541,287 | $122,800 |
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