Michigan conforming loan limits 2026
Michigan has 83 counties. Every county uses the $832,750 baseline — no part of the state qualifies for a high-cost limit.
No part of it qualifies for a high-cost figure, so every county here uses the $832,750 baseline. For 2026, the figure moved in 83 of its 83 counties and 0 stayed the same.
Michigan ranks 15th of 56 jurisdictions by county count, and 23rd by highest limit. Of its counties, 51 sit inside a metropolitan or micropolitan area, across 35 such areas. None of its counties shares a statistical area with a county on a higher figure elsewhere.
All counties in Michigan
| County | 1-unit 2026 | 2025 | 2024 | Change | Counties sharing this figure |
|---|---|---|---|---|---|
| Alcona County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Alger County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Allegan County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Alpena County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Antrim County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Arenac County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Baraga County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Barry County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Bay County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Benzie County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Berrien County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Branch County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Calhoun County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Cass County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Charlevoix County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Cheboygan County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Chippewa County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Clare County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Clinton County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Crawford County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Delta County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Dickinson County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Eaton County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Emmet County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Genesee County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Gladwin County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Gogebic County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Grand Traverse County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Gratiot County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Hillsdale County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Houghton County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Huron County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Ingham County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Ionia County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Iosco County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Iron County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Isabella County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Jackson County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Kalamazoo County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Kalkaska County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Kent County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Keweenaw County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Lake County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Lapeer County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Leelanau County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Lenawee County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Livingston County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Luce County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Mackinac County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Macomb County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Manistee County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Marquette County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Mason County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Mecosta County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Menominee County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Midland County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Missaukee County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Monroe County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Montcalm County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Montmorency County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Muskegon County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Newaygo County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Oakland County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Oceana County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Ogemaw County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Ontonagon County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Osceola County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Oscoda County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Otsego County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Ottawa County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Presque Isle County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Roscommon County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Saginaw County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Sanilac County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Schoolcraft County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Shiawassee County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| St. Clair County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| St. Joseph County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Tuscola County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Van Buren County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Washtenaw County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Wayne County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Wexford 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 Michigan use the baseline conforming loan limit?
Yes — all 83 counties use the $832,750 baseline in 2026.
What counts as a jumbo loan in Michigan?
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.