FHA Loan Limits and USDA Eligibility in Kent County, Michigan
2026 FHA one-unit limit in Kent 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
Kent 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 |
|---|---|---|
| 48809 | $541,287 | $122,800 |
| 48838 | $541,287 | $122,800 |
| 49301 | $541,287 | $122,800 |
| 49302 | $541,287 | $122,800 |
| 49306 | $541,287 | $122,800 |
| 49315 | $541,287 | $122,800 to $130,750 |
| 49316 | $541,287 | $122,800 |
| 49318 | $541,287 | $122,800 to $130,750 |
| 49319 | $541,287 | $122,800 |
| 49321 | $541,287 | $122,800 |
| 49326 | $541,287 | $122,800 |
| 49330 | $541,287 | $122,800 to $130,750 |
| 49331 | $541,287 | $122,800 |
| 49341 | $541,287 | $122,800 |
| 49343 | $541,287 | $122,800 |
| 49345 | $541,287 | $122,800 |
| 49418 | $541,287 | $122,800 to $130,750 |
| 49503 | $541,287 | $122,800 |
| 49504 | $541,287 | $122,800 |
| 49505 | $541,287 | $122,800 |
| 49506 | $541,287 | $122,800 |
| 49507 | $541,287 | $122,800 |
| 49508 | $541,287 | $122,800 |
| 49509 | $541,287 | $122,800 |
| 49512 | $541,287 | $122,800 |
| 49519 | $541,287 | $122,800 |
| 49525 | $541,287 | $122,800 |
| 49534 | $541,287 | $122,800 to $130,750 |
| 49544 | $541,287 | $122,800 to $130,750 |
| 49546 | $541,287 | $122,800 |
| 49548 | $541,287 | $122,800 |