FHA loan limits and USDA eligibility for ZIP 87504 — Santa Fe, NM

FHA county loan caps, USDA property eligibility, and USDA household income limits for this ZIP.

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USDA property eligibility

Check the property map

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

1–4 person household income limit

$125,800

5–8 person household income limit

$166,100

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2026 FHA loan limits

Santa Fe County

1-unit

$569,250

2-unit

$728,750

3-unit

$880,900

4-unit

$1,094,700

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Confirm loan options for this ZIP

Maps and ZIP lookups are a first look. A licensed lender can confirm the address, income, and the official cap.

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Loan options for 87504

A licensed lender can confirm USDA property eligibility, household income, and the FHA county cap for a specific address — then match you if you qualify.

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FAQ for ZIP 87504

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