FHA Loan Limits and USDA Eligibility in Dutchess County, New York
2026 FHA one-unit limit in Dutchess 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 $144,750. Enter a ZIP on the maps. USDA scores the property address, not the county.
2026 FHA Loan Limits Map for New York
New York 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 New York
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EligibleIneligibleUSDA ineligible boundary
Dutchess 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 |
|---|---|---|
| 12456 | $541,287 | $137,800 |
| 12501 | $541,287 | $144,750 |
| 12504 | $541,287 | $144,750 |
| 12506 | $541,287 | $144,750 |
| 12507 | $541,287 | $144,750 |
| 12508 | $541,287 | $144,750 |
| 12510 | $541,287 | $144,750 |
| 12511 | $541,287 | $144,750 |
| 12512 | $541,287 | $144,750 |
| 12514 | $541,287 | $144,750 |
| 12522 | $541,287 | $144,750 |
| 12524 | $541,287 | $144,750 |
| 12527 | $541,287 | $144,750 |
| 12531 | $541,287 | $144,750 to $195,050 |
| 12533 | $541,287 | $144,750 to $195,050 |
| 12537 | $541,287 | $144,750 |
| 12538 | $541,287 | $144,750 |
| 12540 | $541,287 | $144,750 |
| 12545 | $541,287 | $144,750 |
| 12546 | $541,287 | $134,350 to $144,750 |
| 12564 | $541,287 | $144,750 |
| 12567 | $541,287 | $134,350 to $144,750 |
| 12569 | $541,287 | $144,750 |
| 12570 | $541,287 | $144,750 |
| 12571 | $541,287 | $134,350 to $144,750 |
| 12572 | $541,287 | $144,750 |
| 12574 | $541,287 | $144,750 |
| 12578 | $541,287 | $144,750 |
| 12580 | $541,287 | $144,750 |
| 12581 | $541,287 | $144,750 |
| 12582 | $541,287 | $144,750 to $195,050 |
| 12583 | $541,287 | $134,350 to $144,750 |
| 12585 | $541,287 | $144,750 |
| 12590 | $541,287 | $144,750 |
| 12592 | $541,287 | $144,750 |
| 12594 | $541,287 | $144,750 |
| 12601 | $541,287 | $144,750 |
| 12602 | $541,287 | $144,750 |
| 12603 | $541,287 | $144,750 |