FHA Loan Limits and USDA Eligibility in Erie County, New York
2026 FHA one-unit limit in Erie 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 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
Erie 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 |
|---|---|---|
| 14001 | $541,287 | $122,800 |
| 14004 | $541,287 | $122,800 |
| 14006 | $541,287 | $122,800 |
| 14010 | $541,287 | $122,800 |
| 14025 | $541,287 | $122,800 |
| 14026 | $541,287 | $122,800 |
| 14027 | $541,287 | $122,800 |
| 14030 | $541,287 | $122,800 |
| 14031 | $541,287 | $122,800 |
| 14032 | $541,287 | $122,800 |
| 14033 | $541,287 | $122,800 |
| 14034 | $541,287 | $122,800 |
| 14035 | $541,287 | $122,800 |
| 14037 | $541,287 | $122,800 |
| 14038 | $541,287 | $122,800 |
| 14043 | $541,287 | $122,800 |
| 14047 | $541,287 | $122,800 |
| 14051 | $541,287 | $122,800 |
| 14052 | $541,287 | $122,800 |
| 14055 | $541,287 | $122,800 |
| 14057 | $541,287 | $122,800 |
| 14059 | $541,287 | $122,800 |
| 14061 | $541,287 | $122,800 |
| 14068 | $541,287 | $122,800 |
| 14069 | $541,287 | $122,800 |
| 14070 | $541,287 | $122,800 |
| 14072 | $541,287 | $122,800 |
| 14075 | $541,287 | $122,800 |
| 14080 | $541,287 | $122,800 |
| 14081 | $541,287 | $122,800 |
| 14085 | $541,287 | $122,800 |
| 14086 | $541,287 | $122,800 |
| 14091 | $541,287 | $122,800 |
| 14102 | $541,287 | $122,800 |
| 14110 | $541,287 | $122,800 |
| 14111 | $541,287 | $122,800 |
| 14112 | $541,287 | $122,800 |
| 14127 | $541,287 | $122,800 |
| 14134 | $541,287 | $122,800 |
| 14139 | $541,287 | $122,800 |
| 14140 | $541,287 | $122,800 |
| 14141 | $541,287 | $122,800 |
| 14150 | $541,287 | $122,800 |
| 14169 | $541,287 | $122,800 |
| 14170 | $541,287 | $122,800 |
| 14201 | $541,287 | $122,800 |
| 14202 | $541,287 | $122,800 |
| 14203 | $541,287 | $122,800 |
| 14204 | $541,287 | $122,800 |
| 14206 | $541,287 | $122,800 |
| 14207 | $541,287 | $122,800 |
| 14208 | $541,287 | $122,800 |
| 14209 | $541,287 | $122,800 |
| 14210 | $541,287 | $122,800 |
| 14211 | $541,287 | $122,800 |
| 14212 | $541,287 | $122,800 |
| 14213 | $541,287 | $122,800 |
| 14214 | $541,287 | $122,800 |
| 14215 | $541,287 | $122,800 |
| 14216 | $541,287 | $122,800 |
| 14217 | $541,287 | $122,800 |
| 14218 | $541,287 | $122,800 |
| 14219 | $541,287 | $122,800 |
| 14220 | $541,287 | $122,800 |
| 14221 | $541,287 | $122,800 |
| 14222 | $541,287 | $122,800 |
| 14223 | $541,287 | $122,800 |
| 14224 | $541,287 | $122,800 |
| 14225 | $541,287 | $122,800 |
| 14226 | $541,287 | $122,800 |
| 14227 | $541,287 | $122,800 |
| 14228 | $541,287 | $122,800 |
| 14270 | $541,287 | $122,800 |