FHA Loan Limits and USDA Eligibility in Oakland County, Michigan
2026 FHA one-unit limit in Oakland 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: —
Loading FHA loan limits map…
Loading Michigan…
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
Loading USDA map…
Loading Michigan…
EligibleIneligibleUSDA ineligible boundary
Oakland 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 |
|---|---|---|
| 48009 | $541,287 | $122,800 |
| 48017 | $541,287 | $122,800 |
| 48025 | $541,287 | $122,800 |
| 48030 | $541,287 | $122,800 |
| 48033 | $541,287 | $122,800 |
| 48034 | $541,287 | $122,800 |
| 48042 | $541,287 | $122,800 |
| 48050 | $541,287 | $122,800 |
| 48067 | $541,287 | $122,800 |
| 48069 | $541,287 | $122,800 |
| 48070 | $541,287 | $122,800 |
| 48071 | $541,287 | $122,800 |
| 48072 | $541,287 | $122,800 |
| 48073 | $541,287 | $122,800 |
| 48075 | $541,287 | $122,800 |
| 48076 | $541,287 | $122,800 |
| 48083 | $541,287 | $122,800 |
| 48084 | $541,287 | $122,800 |
| 48085 | $541,287 | $122,800 |
| 48096 | $541,287 | $122,800 |
| 48098 | $541,287 | $122,800 |
| 48165 | $541,287 | $122,800 |
| 48167 | $541,287 | $122,800 to $153,550 |
| 48178 | $541,287 | $122,800 to $153,550 |
| 48220 | $541,287 | $122,800 |
| 48237 | $541,287 | $122,800 |
| 48301 | $541,287 | $122,800 |
| 48302 | $541,287 | $122,800 |
| 48304 | $541,287 | $122,800 |
| 48306 | $541,287 | $122,800 |
| 48307 | $541,287 | $122,800 |
| 48309 | $541,287 | $122,800 |
| 48320 | $541,287 | $122,800 |
| 48322 | $541,287 | $122,800 |
| 48323 | $541,287 | $122,800 |
| 48324 | $541,287 | $122,800 |
| 48326 | $541,287 | $122,800 |
| 48327 | $541,287 | $122,800 |
| 48328 | $541,287 | $122,800 |
| 48329 | $541,287 | $122,800 |
| 48331 | $541,287 | $122,800 |
| 48334 | $541,287 | $122,800 |
| 48335 | $541,287 | $122,800 |
| 48336 | $541,287 | $122,800 |
| 48340 | $541,287 | $122,800 |
| 48341 | $541,287 | $122,800 |
| 48342 | $541,287 | $122,800 |
| 48346 | $541,287 | $122,800 |
| 48348 | $541,287 | $122,800 |
| 48350 | $541,287 | $122,800 |
| 48356 | $541,287 | $122,800 |
| 48357 | $541,287 | $122,800 |
| 48359 | $541,287 | $122,800 |
| 48360 | $541,287 | $122,800 |
| 48362 | $541,287 | $122,800 |
| 48363 | $541,287 | $122,800 |
| 48367 | $541,287 | $122,800 |
| 48370 | $541,287 | $122,800 |
| 48371 | $541,287 | $122,800 |
| 48374 | $541,287 | $122,800 |
| 48375 | $541,287 | $122,800 |
| 48377 | $541,287 | $122,800 |
| 48380 | $541,287 | $122,800 to $150,200 |
| 48381 | $541,287 | $122,800 |
| 48382 | $541,287 | $122,800 |
| 48383 | $541,287 | $122,800 |
| 48386 | $541,287 | $122,800 |
| 48390 | $541,287 | $122,800 |
| 48393 | $541,287 | $122,800 |
| 48428 | $541,287 | $122,800 |
| 48430 | $541,287 | $122,800 to $150,200 |
| 48439 | $541,287 | $122,800 |
| 48442 | $541,287 | $122,800 to $150,200 |
| 48462 | $541,287 | $122,800 |
| 48706 | $541,287 | $122,800 |
| 49799 | $541,287 | $122,800 |