FHA loan limits and USDA eligibility for ZIP 10541 — Mahopac, NY

FHA county loan caps, USDA property eligibility, and USDA household income limits for this ZIP. USDA looks unlikely here, so FHA is listed first.

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2026 FHA loan limits

Putnam County

1-unit

$1,249,125

2-unit

$1,599,375

3-unit

$1,933,200

4-unit

$2,402,625

Westchester County

1-unit

$1,249,125

2-unit

$1,599,375

3-unit

$1,933,200

4-unit

$2,402,625

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USDA property eligibility

Likely not eligible

Based on the ZIP’s geographic center vs USDA ineligible-area boundaries. The official test is the property address.

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USDA income limits

Putnam County

1–4 person household income limit

$195,050

5–8 person household income limit

$257,500

  • Putnam County (Primary): $195,050 / $257,500
  • Westchester County: $182,700 / $241,200

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FAQ for ZIP 10541

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