Indiana loan limits 2026 by county
In 2026, every one of the 92 counties in Indiana has the $832,750 baseline conforming loan limit for a one-unit home. Every Indiana county has the $541,287 FHA floor. VA has no limit for a veteran with full entitlement; with remaining entitlement it uses the county's conforming one-unit limit.
FHA and conforming loan limits for every Indiana county
| County | Conforming 2026 | FHA 2026 | FHA area |
|---|---|---|---|
| Adams County | $832,750 | $541,287 | Decatur, IN |
| Allen County | $832,750 | $541,287 | Fort Wayne, IN |
| Bartholomew County | $832,750 | $541,287 | Columbus, IN |
| Benton County | $832,750 | $541,287 | Lafayette-West Lafayette, IN |
| Blackford County | $832,750 | $541,287 | Non-Metro |
| Boone County | $832,750 | $541,287 | Indianapolis-Carmel-Greenwood, IN |
| Brown County | $832,750 | $541,287 | Indianapolis-Carmel-Greenwood, IN |
| Carroll County | $832,750 | $541,287 | Lafayette-West Lafayette, IN |
| Cass County | $832,750 | $541,287 | Logansport, IN |
| Clark County | $832,750 | $541,287 | Louisville/Jefferson County, KY-IN |
| Clay County | $832,750 | $541,287 | Terre Haute, IN |
| Clinton County | $832,750 | $541,287 | Frankfort, IN |
| Crawford County | $832,750 | $541,287 | Non-Metro |
| Daviess County | $832,750 | $541,287 | Washington, IN |
| DeKalb County | $832,750 | $541,287 | Auburn, IN |
| Dearborn County | $832,750 | $541,287 | Cincinnati, OH-KY-IN |
| Decatur County | $832,750 | $541,287 | Greensburg, IN |
| Delaware County | $832,750 | $541,287 | Muncie, IN |
| Dubois County | $832,750 | $541,287 | Jasper, IN |
| Elkhart County | $832,750 | $541,287 | Elkhart-Goshen, IN |
| Fayette County | $832,750 | $541,287 | Connersville, IN |
| Floyd County | $832,750 | $541,287 | Louisville/Jefferson County, KY-IN |
| Fountain County | $832,750 | $541,287 | Non-Metro |
| Franklin County | $832,750 | $541,287 | Cincinnati, OH-KY-IN |
| Fulton County | $832,750 | $541,287 | Non-Metro |
| Gibson County | $832,750 | $541,287 | Non-Metro |
| Grant County | $832,750 | $541,287 | Marion, IN |
| Greene County | $832,750 | $541,287 | Non-Metro |
| Hamilton County | $832,750 | $541,287 | Indianapolis-Carmel-Greenwood, IN |
| Hancock County | $832,750 | $541,287 | Indianapolis-Carmel-Greenwood, IN |
| Harrison County | $832,750 | $541,287 | Louisville/Jefferson County, KY-IN |
| Hendricks County | $832,750 | $541,287 | Indianapolis-Carmel-Greenwood, IN |
| Henry County | $832,750 | $541,287 | New Castle, IN |
| Howard County | $832,750 | $541,287 | Kokomo, IN |
| Huntington County | $832,750 | $541,287 | Huntington, IN |
| Jackson County | $832,750 | $541,287 | Seymour, IN |
| Jasper County | $832,750 | $541,287 | Chicago-Naperville-Elgin, IL-IN |
| Jay County | $832,750 | $541,287 | Non-Metro |
| Jefferson County | $832,750 | $541,287 | Madison, IN |
| Jennings County | $832,750 | $541,287 | Non-Metro |
| Johnson County | $832,750 | $541,287 | Indianapolis-Carmel-Greenwood, IN |
| Knox County | $832,750 | $541,287 | Vincennes, IN |
| Kosciusko County | $832,750 | $541,287 | Warsaw, IN |
| LaGrange County | $832,750 | $541,287 | Non-Metro |
| LaPorte County | $832,750 | $541,287 | Michigan City-La Porte, IN |
| Lake County | $832,750 | $541,287 | Chicago-Naperville-Elgin, IL-IN |
| Lawrence County | $832,750 | $541,287 | Bedford, IN |
| Madison County | $832,750 | $541,287 | Indianapolis-Carmel-Greenwood, IN |
| Marion County | $832,750 | $541,287 | Indianapolis-Carmel-Greenwood, IN |
| Marshall County | $832,750 | $541,287 | Plymouth, IN |
| Martin County | $832,750 | $541,287 | Non-Metro |
| Miami County | $832,750 | $541,287 | Peru, IN |
| Monroe County | $832,750 | $541,287 | Bloomington, IN |
| Montgomery County | $832,750 | $541,287 | Crawfordsville, IN |
| Morgan County | $832,750 | $541,287 | Indianapolis-Carmel-Greenwood, IN |
| Newton County | $832,750 | $541,287 | Chicago-Naperville-Elgin, IL-IN |
| Noble County | $832,750 | $541,287 | Kendallville, IN |
| Ohio County | $832,750 | $541,287 | Cincinnati, OH-KY-IN |
| Orange County | $832,750 | $541,287 | Non-Metro |
| Owen County | $832,750 | $541,287 | Bloomington, IN |
| Parke County | $832,750 | $541,287 | Non-Metro |
| Perry County | $832,750 | $541,287 | Non-Metro |
| Pike County | $832,750 | $541,287 | Non-Metro |
| Porter County | $832,750 | $541,287 | Chicago-Naperville-Elgin, IL-IN |
| Posey County | $832,750 | $541,287 | Evansville, IN |
| Pulaski County | $832,750 | $541,287 | Non-Metro |
| Putnam County | $832,750 | $541,287 | Greencastle, IN |
| Randolph County | $832,750 | $541,287 | Non-Metro |
| Ripley County | $832,750 | $541,287 | Non-Metro |
| Rush County | $832,750 | $541,287 | Non-Metro |
| Scott County | $832,750 | $541,287 | Non-Metro |
| Shelby County | $832,750 | $541,287 | Indianapolis-Carmel-Greenwood, IN |
| Spencer County | $832,750 | $541,287 | Non-Metro |
| St. Joseph County | $832,750 | $541,287 | South Bend-Mishawaka, IN-MI |
| Starke County | $832,750 | $541,287 | Non-Metro |
| Steuben County | $832,750 | $541,287 | Angola, IN |
| Sullivan County | $832,750 | $541,287 | Terre Haute, IN |
| Switzerland County | $832,750 | $541,287 | Non-Metro |
| Tippecanoe County | $832,750 | $541,287 | Lafayette-West Lafayette, IN |
| Tipton County | $832,750 | $541,287 | Indianapolis-Carmel-Greenwood, IN |
| Union County | $832,750 | $541,287 | Non-Metro |
| Vanderburgh County | $832,750 | $541,287 | Evansville, IN |
| Vermillion County | $832,750 | $541,287 | Terre Haute, IN |
| Vigo County | $832,750 | $541,287 | Terre Haute, IN |
| Wabash County | $832,750 | $541,287 | Wabash, IN |
| Warren County | $832,750 | $541,287 | Lafayette-West Lafayette, IN |
| Warrick County | $832,750 | $541,287 | Evansville, IN |
| Washington County | $832,750 | $541,287 | Louisville/Jefferson County, KY-IN |
| Wayne County | $832,750 | $541,287 | Richmond, IN |
| Wells County | $832,750 | $541,287 | Fort Wayne, IN |
| White County | $832,750 | $541,287 | Monticello, IN |
| Whitley County | $832,750 | $541,287 | Fort Wayne, IN |
One-unit limits. Each county page has the 2, 3 and 4 unit limits, the VA figure and how the county compares. Conforming limits announced November 25, 2025; FHA limits for 2026.
FHA, VA and conforming limits in Indiana
- FHA loan limits 2026HUD's floor and ceiling, how a county's limit is set and the highest-limit counties nationally.
- Conforming loan limits 2026FHFA's baseline, the high-cost ceiling and the special Alaska and Hawaii limits, with the announcement calendar.
- VA loan limitsNo limit with full entitlement since 2020; how the county limit sets the guaranty for remaining entitlement.
- Jumbo loan limit 2026The loan size above which a mortgage is jumbo in each county, and the high-balance band.
- Indiana fair market rentsHUD Fair Market Rents for every Indiana county, studios to 4 bedrooms.
- Indiana property tax ratesEffective property tax rate for every Indiana county from survey data.
For the title side (owner of record, deeds, mortgages, liens), see the counties HeritageDeed covers; a title report is $49 per report.
Questions about Indiana loan limits
What are the FHA loan limits in Indiana for 2026?
$541,287 to $541,287 for a one-unit home, depending on the county. Every county is at the national floor of $541,287. Two to four unit limits are on each county page. HUD's limits apply to case numbers assigned on or after January 1, 2026.
What is the conforming loan limit in Indiana for 2026?
$832,750 for a one-unit home in every Indiana county, effective January 1, 2026 (FHFA).
What is the VA loan limit in Indiana?
There is none for a veteran with full entitlement: VA removed county loan limits for them on January 1, 2020. A veteran with entitlement in use gets a guaranty based on the county's FHFA one-unit limit, $832,750 in Indiana for 2026: 25 percent of that limit minus the entitlement already used.
Which Indiana counties have the highest loan limits?
Conforming: every county is at the baseline. FHA: Adams County at $541,287. Limits follow FHFA's and HUD's metropolitan areas, so every county in one area has the same figure.
Loan limits in nearby states
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/indiana. Not lending advice.