Massachusetts conforming loan limits 2026
Massachusetts has 14 counties. 7 of them sit on a figure above the $832,750 baseline, spread over 2 distinct figures; the highest in the state is $1,249,125.
7 of its 14 counties qualify for a high-cost figure above the $832,750 baseline. For 2026, the figure moved in 14 of its 14 counties and 0 stayed the same.
Massachusetts ranks 45th of 56 jurisdictions by county count, and 2nd by highest limit. Of its counties, 14 sit inside a metropolitan or micropolitan area — that is all of them, across 10 such areas. Counties here share a statistical area with counties on a higher figure in New Hampshire.
Figures used in Massachusetts
- $1,249,125 — 2 counties in Massachusetts (75 counties in all)
- $962,550 — 5 counties in Massachusetts (7 counties in all)
All counties in Massachusetts
| County | 1-unit 2026 | 2025 | 2024 | Change | Counties sharing this figure |
|---|---|---|---|---|---|
| Barnstable County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Berkshire County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Bristol County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Dukes County | $1,249,125 | $1,209,750 | $1,149,825 | +3.3% | 75 in all |
| Essex County | $962,550 | $914,250 | $862,500 | +5.3% | 7 in all |
| Franklin County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Hampden County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Hampshire County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Middlesex County | $962,550 | $914,250 | $862,500 | +5.3% | 7 in all |
| Nantucket County | $1,249,125 | $1,209,750 | $1,149,825 | +3.3% | 75 in all |
| Norfolk County | $962,550 | $914,250 | $862,500 | +5.3% | 7 in all |
| Plymouth County | $962,550 | $914,250 | $862,500 | +5.3% | 7 in all |
| Suffolk County | $962,550 | $914,250 | $862,500 | +5.3% | 7 in all |
| Worcester County | $832,750 | $806,500 | $766,550 | +3.3% | — |
Where several counties carry the same figure, it is set for the metropolitan or micropolitan area they belong to rather than for the county line. County names in the table link to the figure that applies to them, or to the calculator for counties on the baseline.
Frequently asked
Does all of Massachusetts use the baseline conforming loan limit?
No. 7 of 14 counties are above the $832,750 baseline, and the state's highest limit is $1,249,125.
What counts as a jumbo loan in Massachusetts?
Any mortgage above the figure for the area where the property is. In baseline counties that is a loan above $832,750.
Can I check a county that has no page of its own?
The calculator covers all 3235 counties, including every county listed above.