FHA Loan Limits and USDA Eligibility in McKinley County, New Mexico
2026 FHA one-unit limit in McKinley 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 New Mexico
USDA Property Eligibility and Income Limits Map for New Mexico
McKinley 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 |
|---|---|---|
| 87045 | $541,287 | $122,800 |
| 87301 | $541,287 | $122,800 |
| 87305 | $541,287 | $122,800 |
| 87310 | $541,287 | $122,800 |
| 87311 | $541,287 | $122,800 |
| 87312 | $541,287 | $122,800 |
| 87313 | $541,287 | $122,800 |
| 87316 | $541,287 | $122,800 |
| 87317 | $541,287 | $122,800 |
| 87319 | $541,287 | $122,800 |
| 87320 | $541,287 | $122,800 |
| 87321 | $541,287 | $122,800 |
| 87322 | $541,287 | $122,800 |
| 87323 | $541,287 | $122,800 |
| 87325 | $541,287 | $122,800 |
| 87326 | $541,287 | $122,800 |
| 87327 | $541,287 | $122,800 |
| 87328 | $541,287 | $122,800 |
| 87347 | $541,287 | $122,800 |
| 87375 | $541,287 | $122,800 |
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Loan Options in McKinley County
A licensed lender can confirm USDA property eligibility, household income, and the FHA county cap for a specific McKinley County address. Then they can match you if you qualify.
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