Every conforming loan limit above the $832,750 baseline in 2026
160 counties carry a figure above the baseline. Because limits are set for whole areas rather than county by county, those counties use only 24 distinct figures — listed below, highest first. 75 counties sit on the $1,249,125 ceiling, and 2 sit on Hawaii's higher $1,299,500 ceiling.
| Figure | Counties | States or territories | vs baseline | What it is |
|---|---|---|---|---|
| $1,299,500 | 2 | 1 HI | +56.0% | Hawaii's ceiling |
| $1,249,125 | 75 | 13 | +50.0% | the high-cost ceiling |
| $1,209,750 | 27 | 6 | +45.3% | +45.3% of the baseline |
| $1,150,000 | 2 | 1 UT | +38.1% | +38.1% of the baseline |
| $1,104,000 | 1 | 1 CA | +32.6% | +32.6% of the baseline |
| $1,092,500 | 2 | 1 CO | +31.2% | +31.2% of the baseline |
| $1,089,050 | 2 | 1 CO | +30.8% | +30.8% of the baseline |
| $1,063,750 | 3 | 1 WA | +27.7% | +27.7% of the baseline |
| $1,035,000 | 1 | 1 CA | +24.3% | +24.3% of the baseline |
| $1,029,250 | 14 | 1 TN | +23.6% | +23.6% of the baseline |
| $1,017,750 | 1 | 1 CA | +22.2% | +22.2% of the baseline |
| $1,000,500 | 1 | 1 CA | +20.1% | +20.1% of the baseline |
| $997,050 | 1 | 1 UT | +19.7% | +19.7% of the baseline |
| $994,750 | 2 | 2 CA, CO | +19.5% | +19.5% of the baseline |
| $990,150 | 1 | 1 FL | +18.9% | +18.9% of the baseline |
| $977,500 | 2 | 1 CT | +17.4% | +17.4% of the baseline |
| $962,550 | 7 | 2 MA, NH | +15.6% | +15.6% of the baseline |
| $941,850 | 1 | 1 CA | +13.1% | +13.1% of the baseline |
| $897,000 | 1 | 1 CA | +7.7% | +7.7% of the baseline |
| $883,200 | 1 | 1 CO | +6.1% | +6.1% of the baseline |
| $879,750 | 1 | 1 CO | +5.6% | +5.6% of the baseline |
| $862,500 | 10 | 1 CO | +3.6% | +3.6% of the baseline |
| $851,000 | 1 | 1 CT | +2.2% | +2.2% of the baseline |
| $839,500 | 1 | 1 UT | +0.8% | +0.8% of the baseline |