Vermont conforming loan limits 2026
Vermont has 14 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 14 of its 14 counties and 0 stayed the same.
Vermont ranks 45th of 56 jurisdictions by county count, and 23rd by highest limit. Of its counties, 9 sit inside a metropolitan or micropolitan area, across 6 such areas. None of its counties shares a statistical area with a county on a higher figure elsewhere.
All counties in Vermont
| County | 1-unit 2026 | 2025 | 2024 | Change | Counties sharing this figure |
|---|---|---|---|---|---|
| Addison County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Bennington County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Caledonia County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Chittenden County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Essex County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Franklin County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Grand Isle County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Lamoille County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Orange County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Orleans County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Rutland County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Washington County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Windham County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Windsor 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 Vermont use the baseline conforming loan limit?
Yes — all 14 counties use the $832,750 baseline in 2026.
What counts as a jumbo loan in Vermont?
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.