FHA Loan Limits and USDA Eligibility in Bay County, Michigan
2026 FHA one-unit limit in Bay 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 $122,800. Enter a ZIP on the maps. USDA scores the property address, not the county.
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
Bay 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 |
|---|---|---|
| 48611 | $541,287 | $122,800 |
| 48613 | $541,287 | $122,800 |
| 48623 | $541,287 | $122,800 to $123,250 |
| 48631 | $541,287 | $122,800 |
| 48634 | $541,287 | $122,800 |
| 48642 | $541,287 | $122,800 to $123,250 |
| 48650 | $541,287 | $122,800 |
| 48652 | $541,287 | $122,800 to $123,250 |
| 48706 | $541,287 | $122,800 |
| 48707 | $541,287 | $122,800 |
| 48708 | $541,287 | $122,800 |
| 48710 | $541,287 | $122,800 |
| 48732 | $541,287 | $122,800 |
| 48747 | $541,287 | $122,800 |