Massachusetts loan limits 2026 by county
In 2026, 7 of the 14 counties in Massachusetts have a conforming loan limit above the $832,750 national baseline; the highest is $1,249,125 for a one-unit home in Dukes County and Nantucket County. FHA limits run from $541,287 to $1,249,125: 10 counties are above the $541,287 national 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 Massachusetts county
| County | Conforming 2026 | FHA 2026 | FHA area |
|---|---|---|---|
| Barnstable County | $832,750 | $828,000 | Barnstable Town, MA |
| Berkshire County | $832,750 | $541,287 | Pittsfield, MA |
| Bristol County | $832,750 | $787,750 | Providence-Warwick, RI-MA |
| Dukes County | $1,249,125 | $1,249,125 | Vineyard Haven, MA |
| Essex County | $962,550 | $962,550 | Boston-Cambridge-Newton, MA-NH |
| Franklin County | $832,750 | $541,287 | Greenfield, MA |
| Hampden County | $832,750 | $541,287 | Springfield, MA |
| Hampshire County | $832,750 | $541,287 | Amherst Town-Northampton, MA |
| Middlesex County | $962,550 | $962,550 | Boston-Cambridge-Newton, MA-NH |
| Nantucket County | $1,249,125 | $1,249,125 | Nantucket, MA |
| Norfolk County | $962,550 | $962,550 | Boston-Cambridge-Newton, MA-NH |
| Plymouth County | $962,550 | $962,550 | Boston-Cambridge-Newton, MA-NH |
| Suffolk County | $962,550 | $962,550 | Boston-Cambridge-Newton, MA-NH |
| Worcester County | $832,750 | $545,100 | Worcester, MA |
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.
Highest FHA loan limits in Massachusetts
Dukes County ($1,249,125), Nantucket County ($1,249,125), Essex County ($962,550), Middlesex County ($962,550) and Norfolk County ($962,550). HUD sets a county above the floor where 115 percent of its area's median home price is higher than the floor, up to the $1,249,125 ceiling; every county of one HUD area has the same limit.
FHA, VA and conforming limits in Massachusetts
- 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.
- Massachusetts fair market rentsHUD Fair Market Rents for every Massachusetts county, studios to 4 bedrooms.
- Massachusetts property tax ratesEffective property tax rate for every Massachusetts 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 Massachusetts loan limits
What are the FHA loan limits in Massachusetts for 2026?
$541,287 to $1,249,125 for a one-unit home, depending on the county. 10 counties are above the national floor of $541,287, led by Dukes County ($1,249,125), Nantucket County ($1,249,125) and Essex County ($962,550); the rest are at the floor. 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 Massachusetts for 2026?
$832,750 to $1,249,125 for a one-unit home, by county; 7 counties are above the $832,750 baseline (FHFA, effective January 1, 2026).
What is the VA loan limit in Massachusetts?
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 to $1,249,125 in Massachusetts for 2026: 25 percent of that limit minus the entitlement already used.
Which Massachusetts counties have the highest loan limits?
Conforming: Dukes County at $1,249,125. FHA: Dukes County at $1,249,125. 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/massachusetts. Not lending advice.