Michigan loan limits 2026 by county
In 2026, every one of the 83 counties in Michigan has the $832,750 baseline conforming loan limit for a one-unit home. Every Michigan 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 Michigan county
| County | Conforming 2026 | FHA 2026 | FHA area |
|---|---|---|---|
| Alcona County | $832,750 | $541,287 | Non-Metro |
| Alger County | $832,750 | $541,287 | Non-Metro |
| Allegan County | $832,750 | $541,287 | Holland, MI |
| Alpena County | $832,750 | $541,287 | Alpena, MI |
| Antrim County | $832,750 | $541,287 | Non-Metro |
| Arenac County | $832,750 | $541,287 | Non-Metro |
| Baraga County | $832,750 | $541,287 | Non-Metro |
| Barry County | $832,750 | $541,287 | Grand Rapids-Wyoming-Kentwood, MI |
| Bay County | $832,750 | $541,287 | Bay City, MI |
| Benzie County | $832,750 | $541,287 | Traverse City, MI |
| Berrien County | $832,750 | $541,287 | Niles, MI |
| Branch County | $832,750 | $541,287 | Coldwater, MI |
| Calhoun County | $832,750 | $541,287 | Battle Creek, MI |
| Cass County | $832,750 | $541,287 | South Bend-Mishawaka, IN-MI |
| Charlevoix County | $832,750 | $541,287 | Non-Metro |
| Cheboygan County | $832,750 | $541,287 | Non-Metro |
| Chippewa County | $832,750 | $541,287 | Sault Ste. Marie, MI |
| Clare County | $832,750 | $541,287 | Non-Metro |
| Clinton County | $832,750 | $541,287 | Lansing-East Lansing, MI |
| Crawford County | $832,750 | $541,287 | Non-Metro |
| Delta County | $832,750 | $541,287 | Escanaba, MI |
| Dickinson County | $832,750 | $541,287 | Iron Mountain, MI-WI |
| Eaton County | $832,750 | $541,287 | Lansing-East Lansing, MI |
| Emmet County | $832,750 | $541,287 | Petoskey, MI |
| Genesee County | $832,750 | $541,287 | Flint, MI |
| Gladwin County | $832,750 | $541,287 | Non-Metro |
| Gogebic County | $832,750 | $541,287 | Non-Metro |
| Grand Traverse County | $832,750 | $541,287 | Traverse City, MI |
| Gratiot County | $832,750 | $541,287 | Alma, MI |
| Hillsdale County | $832,750 | $541,287 | Hillsdale, MI |
| Houghton County | $832,750 | $541,287 | Houghton, MI |
| Huron County | $832,750 | $541,287 | Non-Metro |
| Ingham County | $832,750 | $541,287 | Lansing-East Lansing, MI |
| Ionia County | $832,750 | $541,287 | Grand Rapids-Wyoming-Kentwood, MI |
| Iosco County | $832,750 | $541,287 | Non-Metro |
| Iron County | $832,750 | $541,287 | Non-Metro |
| Isabella County | $832,750 | $541,287 | Mount Pleasant, MI |
| Jackson County | $832,750 | $541,287 | Jackson, MI |
| Kalamazoo County | $832,750 | $541,287 | Kalamazoo-Portage, MI |
| Kalkaska County | $832,750 | $541,287 | Traverse City, MI |
| Kent County | $832,750 | $541,287 | Grand Rapids-Wyoming-Kentwood, MI |
| Keweenaw County | $832,750 | $541,287 | Houghton, MI |
| Lake County | $832,750 | $541,287 | Non-Metro |
| Lapeer County | $832,750 | $541,287 | Detroit-Warren-Dearborn, MI |
| Leelanau County | $832,750 | $541,287 | Traverse City, MI |
| Lenawee County | $832,750 | $541,287 | Adrian, MI |
| Livingston County | $832,750 | $541,287 | Detroit-Warren-Dearborn, MI |
| Luce County | $832,750 | $541,287 | Non-Metro |
| Mackinac County | $832,750 | $541,287 | Non-Metro |
| Macomb County | $832,750 | $541,287 | Detroit-Warren-Dearborn, MI |
| Manistee County | $832,750 | $541,287 | Non-Metro |
| Marquette County | $832,750 | $541,287 | Marquette, MI |
| Mason County | $832,750 | $541,287 | Ludington, MI |
| Mecosta County | $832,750 | $541,287 | Big Rapids, MI |
| Menominee County | $832,750 | $541,287 | Marinette, WI-MI |
| Midland County | $832,750 | $541,287 | Midland, MI |
| Missaukee County | $832,750 | $541,287 | Cadillac, MI |
| Monroe County | $832,750 | $541,287 | Monroe, MI |
| Montcalm County | $832,750 | $541,287 | Grand Rapids-Wyoming-Kentwood, MI |
| Montmorency County | $832,750 | $541,287 | Non-Metro |
| Muskegon County | $832,750 | $541,287 | Muskegon-Norton Shores, MI |
| Newaygo County | $832,750 | $541,287 | Non-Metro |
| Oakland County | $832,750 | $541,287 | Detroit-Warren-Dearborn, MI |
| Oceana County | $832,750 | $541,287 | Non-Metro |
| Ogemaw County | $832,750 | $541,287 | Non-Metro |
| Ontonagon County | $832,750 | $541,287 | Non-Metro |
| Osceola County | $832,750 | $541,287 | Non-Metro |
| Oscoda County | $832,750 | $541,287 | Non-Metro |
| Otsego County | $832,750 | $541,287 | Non-Metro |
| Ottawa County | $832,750 | $541,287 | Grand Rapids-Wyoming-Kentwood, MI |
| Presque Isle County | $832,750 | $541,287 | Non-Metro |
| Roscommon County | $832,750 | $541,287 | Non-Metro |
| Saginaw County | $832,750 | $541,287 | Saginaw, MI |
| Sanilac County | $832,750 | $541,287 | Non-Metro |
| Schoolcraft County | $832,750 | $541,287 | Non-Metro |
| Shiawassee County | $832,750 | $541,287 | Owosso, MI |
| St. Clair County | $832,750 | $541,287 | Detroit-Warren-Dearborn, MI |
| St. Joseph County | $832,750 | $541,287 | Sturgis, MI |
| Tuscola County | $832,750 | $541,287 | Non-Metro |
| Van Buren County | $832,750 | $541,287 | Non-Metro |
| Washtenaw County | $832,750 | $541,287 | Ann Arbor, MI |
| Wayne County | $832,750 | $541,287 | Detroit-Warren-Dearborn, MI |
| Wexford County | $832,750 | $541,287 | Cadillac, MI |
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 Michigan
- 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.
- Michigan fair market rentsHUD Fair Market Rents for every Michigan county, studios to 4 bedrooms.
- Michigan property tax ratesEffective property tax rate for every Michigan county from survey data.
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Questions about Michigan loan limits
What are the FHA loan limits in Michigan 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 Michigan for 2026?
$832,750 for a one-unit home in every Michigan county, effective January 1, 2026 (FHFA).
What is the VA loan limit in Michigan?
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 Michigan for 2026: 25 percent of that limit minus the entitlement already used.
Which Michigan counties have the highest loan limits?
Conforming: every county is at the baseline. FHA: Alcona 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/michigan. Not lending advice.