FHA Loan Limits and USDA Eligibility in Wayne County, Michigan
2026 FHA one-unit limit in Wayne 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
Wayne 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 |
|---|---|---|
| 48034 | $541,287 | $122,800 |
| 48101 | $541,287 | $122,800 |
| 48111 | $541,287 | $122,800 to $153,550 |
| 48118 | $541,287 | $153,550 |
| 48120 | $541,287 | $122,800 |
| 48122 | $541,287 | $122,800 |
| 48124 | $541,287 | $122,800 |
| 48125 | $541,287 | $122,800 |
| 48126 | $541,287 | $122,800 |
| 48127 | $541,287 | $122,800 |
| 48128 | $541,287 | $122,800 |
| 48134 | $541,287 | $122,800 |
| 48135 | $541,287 | $122,800 |
| 48138 | $541,287 | $122,800 |
| 48140 | $541,287 | $122,800 |
| 48141 | $541,287 | $122,800 |
| 48146 | $541,287 | $122,800 |
| 48150 | $541,287 | $122,800 |
| 48152 | $541,287 | $122,800 |
| 48154 | $541,287 | $122,800 |
| 48164 | $541,287 | $122,800 |
| 48167 | $541,287 | $122,800 to $153,550 |
| 48168 | $541,287 | $122,800 to $153,550 |
| 48170 | $541,287 | $122,800 to $153,550 |
| 48173 | $541,287 | $122,800 |
| 48174 | $541,287 | $122,800 |
| 48180 | $541,287 | $122,800 |
| 48183 | $541,287 | $122,800 |
| 48184 | $541,287 | $122,800 |
| 48185 | $541,287 | $122,800 |
| 48186 | $541,287 | $122,800 |
| 48187 | $541,287 | $122,800 |
| 48188 | $541,287 | $122,800 |
| 48192 | $541,287 | $122,800 |
| 48193 | $541,287 | $122,800 |
| 48195 | $541,287 | $122,800 |
| 48201 | $541,287 | $122,800 |
| 48202 | $541,287 | $122,800 |
| 48203 | $541,287 | $122,800 |
| 48204 | $541,287 | $122,800 |
| 48205 | $541,287 | $122,800 |
| 48206 | $541,287 | $122,800 |
| 48207 | $541,287 | $122,800 |
| 48208 | $541,287 | $122,800 |
| 48209 | $541,287 | $122,800 |
| 48210 | $541,287 | $122,800 |
| 48211 | $541,287 | $122,800 |
| 48212 | $541,287 | $122,800 |
| 48213 | $541,287 | $122,800 |
| 48214 | $541,287 | $122,800 |
| 48215 | $541,287 | $122,800 |
| 48216 | $541,287 | $122,800 |
| 48217 | $541,287 | $122,800 |
| 48218 | $541,287 | $122,800 |
| 48219 | $541,287 | $122,800 |
| 48221 | $541,287 | $122,800 |
| 48223 | $541,287 | $122,800 |
| 48224 | $541,287 | $122,800 |
| 48225 | $541,287 | $122,800 |
| 48226 | $541,287 | $122,800 |
| 48227 | $541,287 | $122,800 |
| 48228 | $541,287 | $122,800 |
| 48229 | $541,287 | $122,800 |
| 48230 | $541,287 | $122,800 |
| 48234 | $541,287 | $122,800 |
| 48235 | $541,287 | $122,800 |
| 48236 | $541,287 | $122,800 |
| 48238 | $541,287 | $122,800 |
| 48239 | $541,287 | $122,800 |
| 48240 | $541,287 | $122,800 |