FHA Loan Limits and USDA Eligibility in New Mexico
2026 FHA one-unit limits in New Mexico range from $541,287 to $692,300. About 90% of ZIP centers look USDA-eligible. USDA 502 Guaranteed 1–4 person income limits range from $122,800 to $153,550. Enter a ZIP on the maps. County FHA caps are listed below.
2026 FHA Loan Limits Map for New Mexico
USDA Property Eligibility and Income Limits Map for New Mexico
New Mexico FHA and USDA Figures by County
FHA one-unit caps are county. USDA 1–4 person guaranteed income can split a county; when it does, both caps are listed. This table does not mark a county as USDA eligible or ineligible.
| County | FHA one-unit loan limit | USDA 1–4 person moderate income |
|---|---|---|
| Bernalillo County | $541,287 | $122,800 |
| Catron County | $541,287 | $122,800 |
| Chaves County | $541,287 | $122,800 |
| Cibola County | $541,287 | $122,800 |
| Colfax County | $541,287 | $122,800 |
| Curry County | $541,287 | $122,800 |
| De Baca County | $541,287 | $122,800 |
| Doña Ana County | $541,287 | $122,800 |
| Eddy County | $541,287 | $122,800 |
| Grant County | $541,287 | $122,800 |
| Guadalupe County | $541,287 | $122,800 |
| Harding County | $541,287 | $122,800 |
| Hidalgo County | $541,287 | $122,800 |
| Lea County | $541,287 | $122,800 |
| Lincoln County | $541,287 | $122,800 |
| Los Alamos County | $692,300 | $153,550 |
| Luna County | $541,287 | $122,800 |
| McKinley County | $541,287 | $122,800 |
| Mora County | $541,287 | $122,800 |
| Otero County | $541,287 | $122,800 |
| Quay County | $541,287 | $122,800 |
| Rio Arriba County | $541,287 | $122,800 |
| Roosevelt County | $541,287 | $122,800 |
| San Juan County | $541,287 | $122,800 |
| San Miguel County | $541,287 | $122,800 |
| Sandoval County | $541,287 | $122,800 |
| Santa Fe County | $569,250 | $125,800 |
| Sierra County | $541,287 | $122,800 |
| Socorro County | $541,287 | $122,800 |
| Taos County | $541,287 | $122,800 |
| Torrance County | $541,287 | $122,800 |
| Union County | $541,287 | $122,800 |
| Valencia County | $541,287 | $122,800 |
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