FHA loan limits and USDA eligibility for ZIP 49747 — Hubbard Lake, MI

FHA county loan caps, USDA property eligibility, and USDA household income limits for this ZIP. USDA looks possible here if income is under the cap.

See figures for this ZIP
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USDA property eligibility

Likely eligible for $0 down

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

Alcona County

1–4 person household income limit

$122,800

5–8 person household income limit

$162,100

  • Alcona County (Primary): $122,800 / $162,100
  • Alpena County: $122,800 / $162,100

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2026 FHA loan limits

Alcona County

1-unit

$541,287

2-unit

$693,050

3-unit

$837,700

4-unit

$1,041,125

Alpena County

1-unit

$541,287

2-unit

$693,050

3-unit

$837,700

4-unit

$1,041,125

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FAQ for ZIP 49747

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