New Mexico conforming loan limits 2026
New Mexico has 33 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 33 of its 33 counties and 0 stayed the same.
New Mexico ranks 36th of 56 jurisdictions by county count, and 23rd by highest limit. Of its counties, 22 sit inside a metropolitan or micropolitan area, across 17 such areas. None of its counties shares a statistical area with a county on a higher figure elsewhere.
All counties in New Mexico
| County | 1-unit 2026 | 2025 | 2024 | Change | Counties sharing this figure |
|---|---|---|---|---|---|
| Bernalillo County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Catron County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Chaves County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Cibola County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Colfax County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Curry County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| De Baca County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Dona Ana County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Eddy County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Grant County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Guadalupe County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Harding County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Hidalgo County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Lea County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Lincoln County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Los Alamos County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Luna County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Mckinley County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Mora County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Otero County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Quay County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Rio Arriba County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Roosevelt County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| San Juan County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| San Miguel County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Sandoval County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Santa Fe County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Sierra County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Socorro County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Taos County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Torrance County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Union County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Valencia 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 New Mexico use the baseline conforming loan limit?
Yes — all 33 counties use the $832,750 baseline in 2026.
What counts as a jumbo loan in New Mexico?
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.