Jumbo loan limit 2026
In 2026 a mortgage above $832,750 for a one-unit home is a jumbo loan in most US counties; in high-cost counties the threshold is higher, up to $1,249,125. FHFA defines the conforming limit as the highest loan Fannie Mae or Freddie Mac can acquire and says "Mortgages above this limit are known as jumbo loans."
Jumbo thresholds by number of units
| Units | Baseline 2026 | High-cost ceiling 2026 |
|---|---|---|
| 1 unit | $832,750 | $1,249,125 |
| 2 units | $1,066,250 | $1,599,375 |
| 3 units | $1,288,800 | $1,933,200 |
| 4 units | $1,601,750 | $2,402,625 |
2026 county limits, announced November 25, 2025. A loan above the limit for its number of units is jumbo.
Baseline, high-balance and jumbo
In the 2,988 counties at the baseline, a one-unit loan up to $832,750 is conforming and anything above it is jumbo. In the 156 high-cost counties the conforming limit is higher, up to $1,249,125; a loan between the baseline and the county limit is conforming but is usually called high-balance, and only a loan above the county limit is jumbo. Fannie Mae and Freddie Mac cannot acquire a jumbo loan.
Jumbo loan thresholds by state
| State | Jumbo above (lowest) | Jumbo above (highest) | Above baseline |
|---|---|---|---|
| Alabama | $832,750 | $832,750 | 0 of 67 |
| Alaska | $1,249,125 | $1,249,125 | 30 of 30 |
| Arizona | $832,750 | $832,750 | 0 of 15 |
| Arkansas | $832,750 | $832,750 | 0 of 75 |
| California | $832,750 | $1,249,125 | 17 of 58 |
| Colorado | $832,750 | $1,249,125 | 20 of 64 |
| Connecticut | $832,750 | $977,500 | 3 of 9 |
| Delaware | $832,750 | $832,750 | 0 of 3 |
| Washington, DC | $1,249,125 | $1,249,125 | 1 of 1 |
| Florida | $832,750 | $990,150 | 1 of 67 |
| Georgia | $832,750 | $832,750 | 0 of 159 |
| Hawaii | $1,249,125 | $1,299,500 | 5 of 5 |
| Idaho | $832,750 | $1,249,125 | 1 of 44 |
| Illinois | $832,750 | $832,750 | 0 of 102 |
| Indiana | $832,750 | $832,750 | 0 of 92 |
| Iowa | $832,750 | $832,750 | 0 of 99 |
| Kansas | $832,750 | $832,750 | 0 of 105 |
| Kentucky | $832,750 | $832,750 | 0 of 120 |
| Louisiana | $832,750 | $832,750 | 0 of 64 |
| Maine | $832,750 | $832,750 | 0 of 16 |
| Maryland | $832,750 | $1,249,125 | 5 of 24 |
| Massachusetts | $832,750 | $1,249,125 | 7 of 14 |
| Michigan | $832,750 | $832,750 | 0 of 83 |
| Minnesota | $832,750 | $832,750 | 0 of 87 |
| Mississippi | $832,750 | $832,750 | 0 of 82 |
| Missouri | $832,750 | $832,750 | 0 of 115 |
| Montana | $832,750 | $832,750 | 0 of 56 |
| Nebraska | $832,750 | $832,750 | 0 of 93 |
| Nevada | $832,750 | $832,750 | 0 of 17 |
| New Hampshire | $832,750 | $962,550 | 2 of 10 |
| New Jersey | $832,750 | $1,209,750 | 12 of 21 |
| New Mexico | $832,750 | $832,750 | 0 of 33 |
| New York | $832,750 | $1,209,750 | 10 of 62 |
| North Carolina | $832,750 | $832,750 | 0 of 100 |
| North Dakota | $832,750 | $832,750 | 0 of 53 |
| Ohio | $832,750 | $832,750 | 0 of 88 |
| Oklahoma | $832,750 | $832,750 | 0 of 77 |
| Oregon | $832,750 | $832,750 | 0 of 36 |
| Pennsylvania | $832,750 | $1,209,750 | 1 of 67 |
| Rhode Island | $832,750 | $832,750 | 0 of 5 |
| South Carolina | $832,750 | $832,750 | 0 of 46 |
| South Dakota | $832,750 | $832,750 | 0 of 66 |
| Tennessee | $832,750 | $1,029,250 | 14 of 95 |
| Texas | $832,750 | $832,750 | 0 of 254 |
| Utah | $832,750 | $1,150,000 | 4 of 29 |
| Vermont | $832,750 | $832,750 | 0 of 14 |
| Virginia | $832,750 | $1,249,125 | 18 of 133 |
| Washington | $832,750 | $1,063,750 | 3 of 39 |
| West Virginia | $832,750 | $1,249,125 | 1 of 55 |
| Wisconsin | $832,750 | $832,750 | 0 of 72 |
| Wyoming | $832,750 | $1,249,125 | 1 of 23 |
One-unit limits for 2026, lowest and highest county in each state. Each state page lists every county.
How FHFA sets the limits
Each year FHFA moves the baseline by the change in its house price index between third quarters (3.26 percent for 2026). Where 115 percent of an area's median home value exceeds the baseline, every county of that metropolitan area gets the higher figure, capped at 150 percent of the baseline. Limits never go down: after a price decline the baseline is frozen until the loss is made up. FHFA announces at the end of November; the new limits apply on January 1.
More loan limit pages
- Conforming loan limits 2026FHFA baseline, high-cost ceiling and every county.
- FHA loan limits 2026HUD floor, ceiling and every county's FHA limit.
- VA loan limits 2026No limit with full entitlement; county limits for remaining entitlement.
- Loan limits by countyAll three limits for every county in the 50 states and DC.
- Fair market rentsFair Market Rents for every county, studio to 4 bedrooms.
- Property tax rates by stateEffective property tax rates for every state and county.
For the title side (owner of record, deeds, mortgages, liens), see the counties HeritageDeed covers; a title report is $49 per report.
Questions
What is the jumbo loan limit for 2026?
A one-unit mortgage above $832,750 is jumbo in most counties; in high-cost counties the line is the county's conforming limit, up to $1,249,125. For two to four units: above $1,066,250, $1,288,800 and $1,601,750 in baseline counties.
What is the jumbo loan limit in my county?
It is your county's conforming loan limit: open the state in the table and then the county. Anything above the county's limit for the number of units is a jumbo loan.
What is a high-balance loan?
A conforming loan between the $832,750 baseline and a high-cost county's higher limit. Above the county limit the loan is jumbo.
When will the 2027 jumbo loan limit be known?
FHFA announces next year's limits at the end of November (the 2026 limits on November 25, 2025) and they take effect on January 1. This page shows the 2027 figures as soon as they are published.
Are jumbo loan limits the same everywhere?
No. FHFA sets them county by county: over 95 percent of counties are at the baseline, 156 counties are above it in 2026, and Alaska, Hawaii, Guam and the U.S. Virgin Islands have their own higher limits.
Legal references
- 12 U.S.C. 1709(b)(2), FHA mortgage limits (115 percent of the area median, floor and ceiling)
Published federal limits. JSON: /api/data/loan-limits. Not lending advice.