FHA Loan Limits and USDA Eligibility in Genesee County, Michigan
2026 FHA one-unit limit in Genesee 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
Genesee 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 |
|---|---|---|
| 48411 | $541,287 | $122,800 |
| 48415 | $541,287 | $122,800 |
| 48417 | $541,287 | $122,800 |
| 48418 | $541,287 | $122,800 to $150,200 |
| 48420 | $541,287 | $122,800 |
| 48423 | $541,287 | $122,800 |
| 48429 | $541,287 | $122,800 |
| 48430 | $541,287 | $122,800 to $150,200 |
| 48433 | $541,287 | $122,800 |
| 48436 | $541,287 | $122,800 |
| 48437 | $541,287 | $122,800 |
| 48438 | $541,287 | $122,800 |
| 48439 | $541,287 | $122,800 |
| 48442 | $541,287 | $122,800 to $150,200 |
| 48449 | $541,287 | $122,800 |
| 48451 | $541,287 | $122,800 to $150,200 |
| 48457 | $541,287 | $122,800 |
| 48458 | $541,287 | $122,800 |
| 48463 | $541,287 | $122,800 |
| 48464 | $541,287 | $122,800 |
| 48473 | $541,287 | $122,800 |
| 48501 | $541,287 | $122,800 |
| 48502 | $541,287 | $122,800 |
| 48503 | $541,287 | $122,800 |
| 48504 | $541,287 | $122,800 |
| 48505 | $541,287 | $122,800 |
| 48506 | $541,287 | $122,800 |
| 48507 | $541,287 | $122,800 |
| 48509 | $541,287 | $122,800 |
| 48519 | $541,287 | $122,800 |
| 48529 | $541,287 | $122,800 |
| 48532 | $541,287 | $122,800 |
| 48550 | $541,287 | $122,800 |
| 48746 | $541,287 | $122,800 |