$1,209,750 conforming loan limit 2026
The published one-unit conforming loan limit for 2026 is $1,209,750 in 27 counties across 6 states and territories.
This figure is $377,000 (45.3%) above the $832,750 national baseline, and $39,375 below the $1,249,125 ceiling.
Limits by property type
| Property type | 2026 limit | Multiple of the one-unit figure |
|---|---|---|
| 1-unit | $1,209,750 | 1.0000× |
| 2-unit | $1,548,975 | 1.2804× |
| 3-unit | $1,872,225 | 1.5476× |
| 4-unit | $2,326,875 | 1.9234× |
The two-, three- and four-unit limits are set as fixed multiples of the one-unit limit, so they move automatically whenever the one-unit figure moves.
What the limit buys and costs
Maximum purchase price at each down payment
| Down payment | Maximum purchase price |
|---|---|
| 5% down | $1,273,421 |
| 10% down | $1,344,167 |
| 15% down | $1,423,235 |
| 20% down | $1,512,188 |
| 25% down | $1,613,000 |
Monthly principal and interest on a $1,209,750 loan
| Rate | Monthly P&I, 30 yr | Monthly P&I, 15 yr |
|---|---|---|
| 6.0% fixed | $7,253 | $10,209 |
| 6.5% fixed | $7,646 | $10,538 |
| 7.0% fixed | $8,048 | $10,874 |
Principal and interest only, on a loan of exactly $1,209,750 — the largest conventional loan allowed in these areas before the loan becomes jumbo. Taxes, insurance and mortgage insurance are excluded.
The 27 counties on this figure
| County | State or territory | 2025 1-unit | 2024 1-unit | Change |
|---|---|---|---|---|
| Bergen County | New Jersey | $1,209,750 | $1,149,825 | +0.0% |
| Bronx County | New York | $1,209,750 | $1,149,825 | +0.0% |
| Calvert County | Maryland | $1,209,750 | $1,149,825 | +0.0% |
| Essex County | New Jersey | $1,209,750 | $1,149,825 | +0.0% |
| Garfield County | Colorado | $1,209,750 | $1,149,825 | +0.0% |
| Hudson County | New Jersey | $1,209,750 | $1,149,825 | +0.0% |
| Hunterdon County | New Jersey | $1,209,750 | $1,149,825 | +0.0% |
| Kings County | New York | $1,209,750 | $1,149,825 | +0.0% |
| Madison County | Virginia | $1,209,750 | $1,149,825 | +0.0% |
| Middlesex County | New Jersey | $1,209,750 | $1,149,825 | +0.0% |
| Monmouth County | New Jersey | $1,209,750 | $1,149,825 | +0.0% |
| Morris County | New Jersey | $1,209,750 | $1,149,825 | +0.0% |
| Nassau County | New York | $1,209,750 | $1,149,825 | +0.0% |
| New York County | New York | $1,209,750 | $1,149,825 | +0.0% |
| Ocean County | New Jersey | $1,209,750 | $1,149,825 | +0.0% |
| Passaic County | New Jersey | $1,209,750 | $1,149,825 | +0.0% |
| Pike County | Pennsylvania | $1,209,750 | $1,149,825 | +0.0% |
| Pitkin County | Colorado | $1,209,750 | $1,149,825 | +0.0% |
| Putnam County | New York | $1,209,750 | $1,149,825 | +0.0% |
| Queens County | New York | $1,209,750 | $1,149,825 | +0.0% |
| Richmond County | New York | $1,209,750 | $1,149,825 | +0.0% |
| Rockland County | New York | $1,209,750 | $1,149,825 | +0.0% |
| Somerset County | New Jersey | $1,209,750 | $1,149,825 | +0.0% |
| Suffolk County | New York | $1,209,750 | $1,149,825 | +0.0% |
| Sussex County | New Jersey | $1,209,750 | $1,149,825 | +0.0% |
| Union County | New Jersey | $1,209,750 | $1,149,825 | +0.0% |
| Westchester County | New York | $1,209,750 | $1,149,825 | +0.0% |
Every county listed uses $1,209,750 for a one-unit property. Click a county to price a specific loan in the calculator.
Where this figure applies
| State or territory | Counties on $1,209,750 | Counties in total | State page |
|---|---|---|---|
| New Jersey | 12 | 21 | New Jersey → |
| New York | 10 | 62 | New York → |
| Colorado | 2 | 64 | Colorado → |
| Maryland | 1 | 24 | Maryland → |
| Pennsylvania | 1 | 67 | Pennsylvania → |
| Virginia | 1 | 133 | Virginia → |
Neighbouring limits
- Higher: $1,249,125 (75 counties)
- Lower: $1,150,000 (2 counties)
Frequently asked
Why is the conforming loan limit $1,209,750 here?
The area's median home price exceeds 115% of the $832,750 baseline, so its limit is set higher — here, $1,209,750.
How many counties share it?
27 counties use $1,209,750 for a one-unit property in 2026.
What is a jumbo loan on this figure?
Any mortgage above $1,209,750 for a one-unit property.
What is the four-unit limit?
$2,326,875 for 2026, or 1.9234 times the one-unit figure.