States and territories
Loan limits by state for 2026. States listed first have the most counties on a figure above the baseline; every other county in the country uses the $832,750 baseline.
| State or territory | Above baseline | Counties | Highest limit | Most common limit |
|---|---|---|---|---|
| Alaska | 30 | 30 | $1,249,125 | $1,249,125 |
| Colorado | 20 | 64 | $1,249,125 | $832,750 |
| Virginia | 18 | 133 | $1,249,125 | $832,750 |
| California | 17 | 58 | $1,249,125 | $832,750 |
| Tennessee | 14 | 95 | $1,029,250 | $832,750 |
| New Jersey | 12 | 21 | $1,209,750 | $1,209,750 |
| New York | 10 | 62 | $1,209,750 | $832,750 |
| Massachusetts | 7 | 14 | $1,249,125 | $832,750 |
| Maryland | 5 | 24 | $1,249,125 | $832,750 |
| Hawaii | 5 | 5 | $1,299,500 | $1,249,125 |
| Utah | 4 | 29 | $1,150,000 | $832,750 |
| Washington | 3 | 39 | $1,063,750 | $832,750 |
| Connecticut | 3 | 9 | $977,500 | $832,750 |
| U.S. Virgin Islands (covered with Guam) | 3 | 3 | $1,249,125 | $1,249,125 |
| New Hampshire | 2 | 10 | $962,550 | $832,750 |
| Florida | 1 | 67 | $990,150 | $832,750 |
| Pennsylvania | 1 | 67 | $1,209,750 | $832,750 |
| West Virginia | 1 | 55 | $1,249,125 | $832,750 |
| Idaho | 1 | 44 | $1,249,125 | $832,750 |
| Wyoming | 1 | 23 | $1,249,125 | $832,750 |
| District of Columbia | 1 | 1 | $1,249,125 | $1,249,125 |
| Guam (covered with U.S. Virgin Islands) | 1 | 1 | $1,249,125 | $1,249,125 |
| Texas | 0 | 254 | $832,750 | $832,750 |
| Georgia | 0 | 159 | $832,750 | $832,750 |
| Kentucky | 0 | 120 | $832,750 | $832,750 |
| Missouri | 0 | 115 | $832,750 | $832,750 |
| Kansas | 0 | 105 | $832,750 | $832,750 |
| Illinois | 0 | 102 | $832,750 | $832,750 |
| North Carolina | 0 | 100 | $832,750 | $832,750 |
| Iowa | 0 | 99 | $832,750 | $832,750 |
| Nebraska | 0 | 93 | $832,750 | $832,750 |
| Indiana | 0 | 92 | $832,750 | $832,750 |
| Ohio | 0 | 88 | $832,750 | $832,750 |
| Minnesota | 0 | 87 | $832,750 | $832,750 |
| Michigan | 0 | 83 | $832,750 | $832,750 |
| Mississippi | 0 | 82 | $832,750 | $832,750 |
| Puerto Rico | 0 | 78 | $832,750 | $832,750 |
| Oklahoma | 0 | 77 | $832,750 | $832,750 |
| Arkansas | 0 | 75 | $832,750 | $832,750 |
| Wisconsin | 0 | 72 | $832,750 | $832,750 |
| Alabama | 0 | 67 | $832,750 | $832,750 |
| South Dakota | 0 | 66 | $832,750 | $832,750 |
| Louisiana | 0 | 64 | $832,750 | $832,750 |
| Montana | 0 | 56 | $832,750 | $832,750 |
| North Dakota | 0 | 53 | $832,750 | $832,750 |
| South Carolina | 0 | 46 | $832,750 | $832,750 |
| Oregon | 0 | 36 | $832,750 | $832,750 |
| New Mexico | 0 | 33 | $832,750 | $832,750 |
| Nevada | 0 | 17 | $832,750 | $832,750 |
| Maine | 0 | 16 | $832,750 | $832,750 |
| Arizona | 0 | 15 | $832,750 | $832,750 |
| Vermont | 0 | 14 | $832,750 | $832,750 |
| Rhode Island | 0 | 5 | $832,750 | $832,750 |
| American Samoa | 0 | 5 | $832,750 | $832,750 |
| Northern Mariana Islands | 0 | 4 | $832,750 | $832,750 |
| Delaware | 0 | 3 | $832,750 | $832,750 |