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2021 FHA Loan Limits By State And County

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FHA loans are an excellent option for homebuyers, especially if you’re looking for a lower down payment or have a lower credit score.

Like any other federal loan program you apply for, FHA loan limits put a cap on how much you can qualify for when buying a house.

There’s just one downside: Figuring out the limit isn’t always cut and dry.

Here’s why:

FHA loan limits are different for every county in every state.

The standard limit is $356,362 for a single-family home. However, the max amount is based on 115% of median home prices in an area. That means the limit might be higher in a major metropolitan area than the rest of the county.

But there’s more.

Median home prices can change, and that means FHA loan limits can change, too.

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• Alabama
• Alaska
• Arizona
• Arkansas
• California
• Colorado
• Connecticut
• Delaware
• Florida
• Georgia
• Hawaii
• Idaho
• Illinois
• Indiana
• Iowa
• Kansas
• Kentucky

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• Louisiana
• Maine
• Maryland
• Massachusetts
• Michigan
• Minnesota
• Mississippi
• Missouri
• Montana
• Nebraska
• Nevada
• New Hampshire
• New Jersey
• New Mexico
• New York
• North Carolina
• North Dakota

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• Ohio
• Oklahoma
• Oregon
• Pennsylvania
• Rhode Island
• South Carolina
• South Dakota
• Tennessee
• Texas
• Utah
• Vermont
• Virginia
• Washington
• West Virginia
• Wisconsin
• Wyoming

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That can be a lot to keep up with!

Luckily, you don’t have to.

Here at the Wendy Thompson Lending Team, we’ve got you covered. This guide to FHA loan limits by state will light your way as you look to buy a house with an FHA loan.

Ready to find out how much you can borrow?

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Check your state below to see what you might qualify for in your county.

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Overview:

Want to buy a house in Alabama? The cost of housing can fluctuate by area, but FHA loan limits in Alabama don’t have much variety.

Whether you’re looking in the big city of Birmingham or a small town like McMullen, the cap is the same: $356,362.

FHA Loan Limits In Alabama:

• Limit: $356,362
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Autauga, Baldwin, Barbour, Bibb, Blount, Bullock, Butler, Calhoun, Chambers, Cherokee	$356,362
Chilton, Choctaw, Clarke, Clay, Cleburne, Coffee, Colbert, Conecuh, Coosa, Covington	$356,362
Crenshaw, Cullman, Dale, Dallas, Dekalb, Elmore, Escambia, Etowah, Fayette, Franklin	$356,362
Geneva, Greene, Hale, Henry, Houston, Jackson, Jefferson, Lamar, Lauderdale, Lawrence	$356,362
Lee, Limestone, Lowndes, Macon, Madison, Marengo, Marion, Marshall, Mobile, Monroe	$356,362
Montgomery, Morgan, Perry, Pickens, Pike, Randolph, Russell, St. Clair, Shelby, Sumter	$356,362
Talladega, Tallapoosa, Tuscaloosa, Walker, Washington, Wilcox, Winston	$356,362

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Overview:

The Alaska FHA loan limits are $356,362 for most counties.

The Last Frontier state isn’t all wilderness, and two popular high cost of living areas are Juneau and Sitka.

Higher home prices in those cities mean you can borrow up to $483,000 for a home in Juneau or $486,450 in Sitka.

FHA Loan Limits In Alabama:

• Lowest: $356,362
• Highest: $486,450
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Aleutians East Borough, Bethel Census Area, Bristol Bay Borough, Denali Borough, Dillingham Census Area, Fairbanks North Star Borough, Haines Borough, Hoonah-Angoon Census Area	$331,760
Kenai Peninsula Borough, Kusilvak Census Area, Lake And Peninsula Borough, Northwest Arctic Borough, Prince Of Wales-Hyder Census Area, Southeast Fairbanks Census Area, Valdez-Cordova Census Area, Yukon-Koyukuk Census Area	$331,760
North Slope Borough, Petersburg Census Area, Wrangell City And Borough	$332,350
Ketchikan Gateway Borough	$369,150
Aleutians West Census Area	$385,250
Nome Census Area	$391,000
Kodiak Island Borough	$408,250
Anchorage Municipality, Matanuska-Susitna Borough	$411,700
Skagway Municipality	$415,150
Yakutat City And Borough	$420,900
Juneau City And Borough	$455,400
Sitka City And Borough	$486,450

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Overview:

Considering the cost of living throughout Arizona is average compared to the rest of the United States, there isn’t much fluctuation in Arizona FHA loan limits.

Your cap will be $356,362 wherever you’re buying a home.

FHA Loan Limits In Arizona:

• Limit: $356,362
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Apache, Cochise, Coconino, Gila, Graham, Greenlee, La Paz, Maricopa, Mohave, Navajo	$331,760
Pima, Pinal, Santa Cruz, Yavapai, Yuma

 

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Overview:

All 75 counties in Arkansas are set at the standard borrowing limit. 

That means if you’re in the market to buy a home, no matter which county the house is in, your FHA loan limit in Arkansas is $356,362.

FHA Loan Limits In Alabama:

• Limit: $356,362
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Aleutians East Borough, Bethel Census Area, Bristol Bay Borough, Denali Borough, Dillingham Census Area, Fairbanks North Star Borough, Haines Borough, Hoonah-Angoon Census Area	$331,760
Kenai Peninsula Borough, Kusilvak Census Area, Lake And Peninsula Borough, Northwest Arctic Borough, Prince Of Wales-Hyder Census Area, Southeast Fairbanks Census Area, Valdez-Cordova Census Area, Yukon-Koyukuk Census Area	$331,760
North Slope Borough, Petersburg Census Area, Wrangell City And Borough	$332,350
Ketchikan Gateway Borough	$369,150
Aleutians West Census Area	$385,250
Nome Census Area	$391,000
Kodiak Island Borough	$408,250
Anchorage Municipality, Matanuska-Susitna Borough	$411,700
Skagway Municipality	$415,150
Yakutat City And Borough	$420,900
Juneau City And Borough	$455,400
Sitka City And Borough	$486,450

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Overview:

As you might have guessed, FHA loan limits in California are much higher than the standard $356,362 in some areas.

 The Golden State lets you get up to $822,375 in Alameda, Contra Costa, Los Angeles, Marin, Orange, San Benito, San Francisco, San Mateo, Santa Clara, and Santa Cruz counties.

Learn more about California FHA Loans and Rates! 

FHA Loan Limits In Alabama:

• Lowest: $356,362
• Highest: $822,375
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Butte, Colusa, Del Norte, Fresno, Glenn, Imperial,  Kern, Kings, Lake, Lassen, Madera, Mariposa, Merced, Modoc, Shasta, Sierra, Siskiyou	$331,760
Plumas	$336,950
Humboldt	$345,000
Amador	$355,350
Stanislaus	$365,700
Calaveras, Inyo	$373,750
Mendocino	$409,400
Riverside, San Bernardino	$442,750
San Joaquin	$448,500
Alpine	$463,450
Nevada	$486,450
Solano	$506,000
Mono	$529,000
El Dorado, Placer, Sacramento	$569,250
Santa Barbara	$653,200
Monterey	$672,750
San Luis Obispo	$690,000
San Diego	$701,500
Sonoma	$704,950
Napa	$764,750
Alameda, Contra Costa, Los Angeles, Marin, Orange, San Benito, San Francisco, San Mateo, Santa Clara, Santa Cruz	$765,600

 

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Overview:

From the gorgeous mountain landscape to the rolling rivers, Colorado is an excellent place to buy a home.

In Leadville, which is located in Lake County, your borrowing is capped at $356,362.

But Colorado FHA loan limits in a city like Telluride go all the way up to $822,250.

 

FHA Loan Limits In Colorado:

• Lowest: $356,362
• Highest: $822,250
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Alamosa, Archuleta, Baca, Bent, Chaffee, Conejos, Costilla, Crowley, Custer, Dolores, Delta,  Fremont, Huerfano, Jackson, Kiowa, Kit Carson,  Larimer, Las Animas, Lincoln, Logan, Mesa, Mineral, Moffat, Montezuma,  Morgan, Otero, Phillips	$331,760
El Paso	$356,500
Chaffee	$369,150
Gunnison	$371,450
La Plata	$422,050
Montrose, Ouray	$425,500
Hinsdale	$427,800
Larimer	$454,250
Grand	$473,800
Adams, Arapahoe, Broomfield, Clear Creek, Denver, Douglas, Elbert, Gilpin, Jefferson, Park	$575,000
Boulder County	$644,000
Eagle, Garfield, Pitkin	$765,600

 

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Overview:

In New Haven, the county where you’ll find Yale University, the Connecticut FHA loan limit is $356,362. 

But if you want to live on the shores of the Long Island Sound? 

Your borrowing limit is much more powerful at $601,450.

FHA Loan Limits In Alabama:

• Lowest: $356,362
• Highest: $601,450
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
New Haven, New London	$331,760
Windham	$339,250
Hartford, Middlesex, Tolland	$353,050
Litchfield	$357,650
Fairfield	$601,450

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Overview:

Although Delaware is home to just three counties, Delaware FHA loan limits are different in each county. 

In Kent and Sussex, the max you can borrow is $356,362, while the max in New Castle is $431,250.

FHA Loan Limits In Delaware: 

• Lowest: $356,362
• Highest: $431,250
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Kent	$331,760
New Castle	$345,000
Sussex	$408,250

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Overview:

Of the 67 Florida counties, 42 have FHA loan caps of $356,362. 

But in Miami-Dade and Palm Beach counties, Florida FHA loan limits are $381,800. 

And the gorgeous Florida Keys? You can buy a house up to $608,350 with an FHA loan.

Learn more about Florida FHA Loans and Rates! 

FHA Loan Limits In Florida: 

• Lowest: $356,362
• Highest: $608,350
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Pasco, Pinellas, Polk, Putnam, St. Johns, St. Lucie, Santa Rosa, Sarasota, Seminole, Sumter, Suwannee, Taylor, Union, Volusia, Wakulla, Walton, Washington	$314,827
Alachua, Bay, Bradford, Brevard, Calhoun, Charlotte, Citrus, Columbia, Desoto, Dixie, Escambia, Flagler, Franklin, Gadsden, Gilchrist, Glades, Gulf, Hamilton, Hardee, Hendry, Hernando	$331,760
Highlands, Hillsborough, Holmes, Indian River, Jackson, Jefferson, Lafayette, Lake, Lee, Leon, Levy, Liberty, Madison, Manatee, Marion, Okeechobee, Orange, Osceola	$331,760
Martin, Baker, Broward, Clay, Duval, Miami-Dade, Nassau, Palm Beach	$350,750
Baker	$373,750
Okaloosa	$391,000
Collier	$450,800
Monroe	$450,800

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Overview:

Fulton County, where you’ll find Atlanta, is the most populated county in Georgia, and FHA loans are capped at $412,850.

For a higher limit, check out Greensboro.

It’s located in Greene County, which has the highest FHA loan limit in Georgia at $515,200.

FHA Loan Limits In Georgia: 

• Lowest: $356,362
• Highest: $486,450
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Appling, Atkinson, Bacon, Baker, Baldwin, Banks,  Ben Hill, Berrien, Bibb, Bleckley, Brantley, Brooks, Bryan, Bulloch,	$331,760
Burke, Calhoun, Camden, Candler,  Catoosa, Charlton, Chatham, Chattahoochee, Chattooga, Clay	$331,760
Clinch,  Coffee, Colquitt, Columbia, Cook,  Crawford, Crisp, Dade, Decatur,  Dodge, Dooly, Dougherty, Early,  Echols	$331,760
Effingham, Elbert, Emanuel, Evans, Fannin,  Floyd,  Franklin,  Gilmer, Glascock, Glynn, Gordon, Grady, ,  Habersham, Hall	$331,760
Hancock, Harris, Hart,  Houston, Irwin, Jackson,  Jeff Davis, Jefferson, Jenkins, Johnson, Jones,  Lanier, Laurens, Lee	$331,760
Murray, Muscogee, Peach, Pierce, Polk, Pulaski, Putnam, Quitman, Rabun, Randolph, Richmond,  Schley, Screven	$331,760
Seminole,  Stephens, Stewart, Sumter, Talbot, Taliaferro, Tattnall, Taylor, Telfair, Terrell, Thomas, Tift, Toombs, Towns	$331,760
Treutlen, Troup, Turner, Twiggs, Union, Upson, Walker,  Ware, Warren, Washington, Wayne, Webster, Wheeler, White	$331,760
Whitfield, Wilcox, Wilkes, Wilkinson, Worth	$331,760
Clarke, Madison, Oconee, Oglethorpe	$379,500
Barrow, Bartow, Butts, Carroll, Cherokee, Clayton, Cobb, Coweta, Dawson, Dekalb, Douglas, Fayette, Forsyth, Fulton	$401,350
Gwinnett, Haralson, Heard, Henry, Jasper, Lamar, Meriwether, Morgan, Newton, Paulding, Pickens, Pike, Rockdale, Spalding, Walton	$401,350
Greene	$515,200

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Overview:

When you think of golden sand beaches and palm trees, many people think of Hawaii. Imagine living in that tropical paradise! 

Home to just five counties, the island of Hawaii has the lowest FHA max of $408,250. Honolulu County on O’ahu has the highest FHA loan limit in Hawaii: $721,050.

FHA Loan Limits In Hawaii: 

• Lowest: $408,250
• Highest: $721,050
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Hawaii	$391,000
Kalawao, Maui	$690,000
Kauai	$713,000
Honolulu	$721,050

 

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Overview:

If you’re looking for a house in Idaho, you might discover there’s more to the state than potatoes. 

One of the most beautiful cities is Idaho Falls, where FHA loan limits are capped at $356,362. 

The highest Idaho FHA loan limit is $822,375 in Teton County, situated along the Rocky Mountains.

FHA Loan Limits In Idaho: 

• Lowest: $356,362
• Highest: $822,375
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Ada, Adams, Bannock, Bear Lake, Benewah, Bingham, Bonner, Bonneville, Boundary, Butte, Caribou, Cassia, Clark	$331,760
Clearwater, Custer, Elmore, Franklin, Fremont,  Gooding, Idaho, Jefferson, Jerome, Latah, Lemhi, Lewis, Lincoln, Madison	$331,760
Minidoka, Nez Perce, Oneida,  Payette, Power, Shoshone, Twin Falls, Valley, Washington	$331,760
Kootenai	$335,800
Ada, Boise, Canyon, Gem, Owyhee	$366,850
Camas, Blaine	$646,300
Teton	$765,600

 

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Overview:

The Land of Lincoln is in the U.S. midwestern region where the cost of living is generally low.

The FHA loan limit in Illinois for most counties is $356,362. But a few areas, such as Chicago’s Cook County, let you borrow up to $379,500.

FHA Loan Limits In Illinois: 

• Lowest: $356,362
• Highest: $379,500
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Adams, Alexander, Bond,  Brown, Bureau, Calhoun, Carroll, Cass, Champaign, Christian, Clark, Clay, Clinton, Coles	$331,760
Crawford, Cumberland,  De Witt, Douglas,  Edgar, Edwards, Effingham, Fayette, Ford, Franklin, Fulton, Gallatin	$331,760
Greene,  Hamilton, Hancock, Hardin, Henderson, Henry, Iroquois, Jackson, Jasper, Jefferson, Jersey, Jo Daviess	$331,760
Johnson,  Kankakee,  Knox,  Lasalle, Lawrence, Lee, Livingston, Logan, Mcdonough, Mclean, Macon, Macoupin, Madison	$331,760
Marion, Marshall, Mason, Massac, Menard, Mercer, Monroe, Montgomery, Morgan, Moultrie, Ogle, Peoria, Perry, Piatt	$331,760
Pike, Pope, Pulaski, Putnam, Randolph, Richland, Rock Island, St. Clair, Saline, Sangamon, Schuyler, Scott, Shelby, Stark	$331,760
Stephenson, Tazewell, Union, Vermilion, Wabash, Warren, Washington, Wayne, White, Whiteside,  Williamson, Woodford	$331,760
Boone, Winnebago	$339,250
Cook, Dekalb, Dupage, Grundy, Kane, Kendall, Lake, Mchenry, Will	$368,000

 

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Overview:

Like other states in the midwest, not many Indiana FHA loan limits are above the standard of $356,362. 

Other Indiana counties, such as Jasper, Lake, Newton, and Porter, let you borrow up to $379,500.

FHA Loan Limits In Indiana: 

• Lowest: $356,362
• Highest: $379,500
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Adams, Allen, Bartholomew, Benton, Blackford,  Carroll, Cass, Clay, Clinton, Crawford, Daviess, Dearborn, Decatur, Dekalb	$331,760
Fayette,  Fountain, Franklin, Fulton, Gibson, Grant, Greene,  Henry, Howard, Huntington, Jackson, Jay, Jefferson, Jennings	$331,760
Knox, Kosciusko, Lagrange,  Laporte, Lawrence,  Marshall,  Martin, Miami, Monroe, Montgomery, Morgan,  Noble, Ohio	$331,760
Orange, Owen, Parke, Perry, Pike,  Posey, Pulaski,  Randolph, Ripley, Rush, St. Joseph, Scott, Spencer, Starke, Steuben	$331,760
Sullivan, Switzerland, Tippecanoe, Tipton, Union, Vanderburgh, Vermillion, Vigo, Wabash, Warren, Warrick, Wayne, Wells	$331,760
White, Whitley, Boone, Brown, Hamilton, Hancock, Hendricks, Johnson, Madison	$331,760
Clark, Floyd, Harrison, Washington	$333,500
Boone, Brown, Hamilton, Hancock, Hendricks, Johnson, Madison, Marion, Morgan, Putnam, Shelby	$355,350
Jasper, Lake, Newton, Porter	$368,000

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Overview:

With an eastern border made up of the Mississippi River, Iowa is a beautiful state. 

Because it has lower home prices than most other states in the U.S., it’s no surprise that Iowa FHA loan limits are $356,362 in all 99 counties.

FHA Loan Limits In Iowa: 

• Limit: $356,362
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Adair, Adams, Allamakee, Appanoose, Audubon, Benton, Black Hawk, Boone, Bremer	$331,760
Buchanan, Buena Vista, Butler, Calhoun, Carroll, Cass, Cedar, Cerro Gordo, Cherokee, Chickasaw	$331,760
Clarke, Clay, Clayton, Clinton, Crawford, Dallas, Davis, Decatur, Delaware, Des Moines	$331,760
Dickinson, Dubuque, Emmet, Fayette, Floyd, Franklin, Fremont, Greene, Grundy, Guthrie	$331,760
Hamilton, Hancock, Hardin, Harrison, Henry, Howard, Humboldt, Ida, Iowa, Jackson	$331,760
Jasper, Jefferson, Johnson, Jones, Keokuk, Kossuth, Lee, Linn, Louisa, Lucas, Lyon	$331,760
Madison, Mahaska, Marion, Marshall, Mills, Mitchell, Monona, Monroe, Montgomery, Muscatine	$331,760
O’brien, Osceola, Page, Palo Alto, Plymouth, Pocahontas, Polk, Pottawattamie, Poweshiek, Ringgold	$331,760
Sac, Scott, Shelby, Sioux, Story, Tama, Taylor, Union, Van Buren, Wapello, Warren	$331,760
Washington, Wayne, Webster, Winnebago, Winneshiek, Woodbury, Worth, Wright	$331,760

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Overview:

A great midwestern state, Kansas sits smack-dab in the geographic center of the U.S. 

FHA loans are capped at $356,362 in most counties, including Allen, Anderson, Cloud, Grove, Strafford, and Wichita. 

But Kansas FHA loan limits in Leavenworth and Miami County go up to $389,850.

FHA Loan Limits In Kansas: 

• Lowest: $356,362
• Highest: $389,850
• Website

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Overview:

All FHA loan limits in Kentucky fall within the standard borrowing amount of $356,362. 

Are you thinking of buying a home or relocating to the Bluegrass State? 

You’re in luck. The cost of living is generally low, and Louisville was a buyer’s market in late 2020, further driving down home prices.

FHA Loan Limits In Kentucky: 

• Limit: $356,362
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Adair, Allen, Anderson, Ballard, Barren, Bath, Bell, Boone, Bourbon, Boyd, Boyle, Bracken	$331,760
Breathitt, Breckinridge, Butler, Caldwell, Calloway, Campbell, Carlisle, Carroll, Carter, Casey, Christian	$331,760
Clark, Clay, Clinton, Crittenden, Cumberland, Daviess, Edmonson, Elliott, Estill, Fayette	$331,760
Fleming, Floyd, Franklin, Fulton, Gallatin, Garrard, Grant, Graves, Grayson, Green, Greenup, Hancock	$331,760
Hardin, Harlan, Harrison, Hart, Henderson, Hickman, Hopkins, Jackson, Jessamine, Johnson	$331,760
Kenton, Knott, Knox, Larue, Laurel, Lawrence, Lee, Leslie, Letcher, Lewis, Lincoln, Livingston, Logan, Lyon	$331,760
Mccracken, Mccreary, Mclean, Madison, Magoffin, Marion, Marshall, Martin, Mason, Meade, Menifee	$331,760
Mercer, Metcalfe, Monroe, Montgomery, Morgan, Muhlenberg, Nelson, Nicholas, Ohio, Owen	$331,760
Owsley, Pendleton, Perry, Pike, Powell, Pulaski, Robertson, Rockcastle, Rowan, Russell, Scott, Simpson, Taylor, Todd,	$331,760
Trigg, Trimble, Union, Warren, Washington, Wayne, Webster, Whitley, Wolfe, Woodford	$331,760
Bullitt, Henry, Jefferson, Oldham, Shelby, Spencer	$333,500

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Overview:

Louisiana is a melting pot of cultures, making it a fantastic option to put down some roots and buy a house. 

Louisiana FHA loan limits are a cinch to figure out, too. 

Every county has the same standard borrowing limit of $356,362.

FHA Loan Limits In Louisiana: 

• Limit: $356,362
• Website

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[/et_pb_tab][/et_pb_tabs][/et_pb_column][/et_pb_row][et_pb_row module_id=”Maine” _builder_version=”4.16″ _module_preset=”default” background_enable_color=”off” width_tablet=”” width_phone=”90%” width_last_edited=”on|phone” max_width=”1380px” custom_margin=”50px||||false|false” custom_padding=”3%|3%|3%|3%|false|false” border_radii=”on|10px|10px|10px|10px” border_width_all=”3px” border_color_all=”rgba(101,183,168,0.61)” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”maine FHA Loan Limits” use_icon=”on” _builder_version=”4.16″ _module_preset=”default” header_font=”|700||on|||||” header_text_align=”center” header_text_color=”#37b7a0″ header_font_size=”30px” header_letter_spacing=”2px” background_enable_color=”off” max_width=”50%” max_width_tablet=”50%” max_width_phone=”100%” max_width_last_edited=”on|desktop” module_alignment=”center” custom_padding=”10px||10px||false|false” box_shadow_style=”preset4″ box_shadow_horizontal=”7px” box_shadow_vertical=”7px” box_shadow_color=”rgba(0,0,0,0.13)” global_colors_info=”{}”][/et_pb_blurb][et_pb_text ul_type=”square” ul_item_indent=”35px” _builder_version=”4.16″ _module_preset=”default” text_font=”Kumbh Sans||||||||” text_text_color=”#565c64″ text_font_size=”17px” ul_line_height=”1.9em” header_3_font=”Poppins|700|||||||” header_3_text_color=”#026451″ header_3_font_size=”23px” header_3_letter_spacing=”1px” header_4_font=”|700|||||||” header_4_text_color=”#353535″ header_4_font_size=”21px” custom_margin=”25px||35px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”]

Overview:

Like lobster? Then you’ll love Maine. Most areas let you borrow $356,362 with an FHA loan. 

But Maine FHA loan limits in two counties along Casco Bay, Cumberland and Sagadahoc, jump a little higher to $403,650.

FHA Loan Limits In Maine: 

• Lowest: $356,362
• Highest: $403,650
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Androscoggin, Aroostook,  Franklin, Hancock, Kennebec, Knox, Lincoln, Oxford, Penobscot, Piscataquis,  Somerset, Waldo, Washington	$331,760
Cumberland, Sagadahoc, York	$366,850

 

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Overview:

FHA loan limits in Maryland are all over the place. The lowest cap is $356,362 in areas like Dorchester and Kent counties. 

But Calvert, Charles, Frederick, Montgomery, and Prince George’s counties, the ones closest to Washington, D.C., have caps of $822,375.

FHA Loan Limits In Maryland: 

• Lowest: $356,362
• Highest: $822,375
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Allegany, Caroline, Dorchester, Garrett, Kent, Washington, Baltimore City	$331,760
Somerset, Wicomico, Worcester	$345,000
St. Mary’s	$347,300
Talbot	$382,950
Cecil	$408,250
Anne Arundel, Baltimore, Baltimore City, Carroll, Harford, Howard, Queen Anne’s	$520,950
Calvert, Charles, Frederick, Montgomery, Prince George’s	$765,600

[/et_pb_tab][/et_pb_tabs][/et_pb_column][/et_pb_row][et_pb_row module_id=”Massachusetts” _builder_version=”4.16″ _module_preset=”default” background_enable_color=”off” width_tablet=”” width_phone=”90%” width_last_edited=”on|phone” max_width=”1380px” custom_margin=”50px||||false|false” custom_padding=”3%|3%|3%|3%|false|false” border_radii=”on|10px|10px|10px|10px” border_width_all=”3px” border_color_all=”rgba(101,183,168,0.61)” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Massachusetts FHA Loan Limits” use_icon=”on” content_max_width=”700px” _builder_version=”4.16″ _module_preset=”default” header_font=”|700||on|||||” header_text_align=”center” header_text_color=”#37b7a0″ header_font_size=”30px” header_letter_spacing=”2px” background_enable_color=”off” max_width=”65%” max_width_tablet=”50%” max_width_phone=”100%” max_width_last_edited=”on|desktop” module_alignment=”center” custom_padding=”10px||10px||false|false” box_shadow_style=”preset4″ box_shadow_horizontal=”7px” box_shadow_vertical=”7px” box_shadow_color=”rgba(0,0,0,0.13)” global_colors_info=”{}”][/et_pb_blurb][et_pb_text ul_type=”square” ul_item_indent=”35px” _builder_version=”4.16″ _module_preset=”default” text_font=”Kumbh Sans||||||||” text_text_color=”#565c64″ text_font_size=”17px” ul_line_height=”1.9em” header_3_font=”Poppins|700|||||||” header_3_text_color=”#026451″ header_3_font_size=”23px” header_3_letter_spacing=”1px” header_4_font=”|700|||||||” header_4_text_color=”#353535″ header_4_font_size=”21px” custom_margin=”25px||35px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”]

Overview:

A few FHA loan limits in Massachusetts are set at $356,362, but they rise quickly. 

For instance, venture out to Martha’s Vineyard in Dukes County or Nantucket Island, and you’ll find max borrowing amounts of $822,375.

FHA Loan Limits In Massachusetts: 

• Lowest: $356,362
• Highest: $822,375
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Berkshire, Franklin, Hampden, Hampshire	$331,760
Worcester	$339,250
Bristol	$460,000
Barnstable	$471,500
Essex, Middlesex, Norfolk, Plymouth, Suffolk	$690,000
Dukes, Nantucket	$765,600

 

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Overview:

The Great Lakes State has affordable home prices like many other midwestern states.

Even in higher populated areas like Detroit and Grand Rapids, Michigan FHA loan limits come in at the standard amount of $356,362.

FHA Loan Limits In Michigan: 

• Limit: $356,362
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Alcona, Alger, Allegan, Alpena, Antrim, Arenac, Baraga, Barry, Bay, Benzie, Berrien, Branch, Calhoun	$331,760
Cass, Charlevoix, Cheboygan, Chippewa, Clare, Clinton, Crawford, Delta, Dickinson, Eaton, Emmet	$331,760
Genesee, Gladwin, Gogebic, Grand Traverse, Gratiot, Hillsdale, Houghton, Huron, Ingham, Ionia, Iosco, Iron	$331,760
Isabella, Jackson, Kalamazoo, Kalkaska, Kent, Keweenaw, Lake, Lapeer, Leelanau, Lenawee, Livingston, Luce	$331,760
Mackinac, Macomb, Manistee, Marquette, Mason, Mecosta, Menominee, Midland, Missaukee, Monroe	$331,760
Montcalm, Montmorency, Muskegon, Newaygo, Oakland, Oceana, Ogemaw, Ontonagon, Osceola, Oscoda	$331,760
Otsego, Ottawa, Presque Isle, Roscommon, Saginaw, St. Clair, St. Joseph, Sanilac, Schoolcraft, Shiawassee	$331,760
Tuscola, Van Buren, Washtenaw, Wayne, Wexford	$331,760

[/et_pb_tab][/et_pb_tabs][/et_pb_column][/et_pb_row][et_pb_row module_id=”Minnesota” _builder_version=”4.16″ _module_preset=”default” background_enable_color=”off” width_tablet=”” width_phone=”90%” width_last_edited=”on|phone” max_width=”1380px” custom_margin=”50px||||false|false” custom_padding=”3%|3%|3%|3%|false|false” border_radii=”on|10px|10px|10px|10px” border_width_all=”3px” border_color_all=”rgba(101,183,168,0.61)” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”minnesota FHA Loan Limits” use_icon=”on” _builder_version=”4.16″ _module_preset=”default” header_font=”|700||on|||||” header_text_align=”center” header_text_color=”#37b7a0″ header_font_size=”30px” header_letter_spacing=”2px” background_enable_color=”off” max_width=”60%” max_width_tablet=”50%” max_width_phone=”100%” max_width_last_edited=”on|desktop” module_alignment=”center” custom_padding=”10px||10px||false|false” box_shadow_style=”preset4″ box_shadow_horizontal=”7px” box_shadow_vertical=”7px” box_shadow_color=”rgba(0,0,0,0.13)” global_colors_info=”{}”][/et_pb_blurb][et_pb_text ul_type=”square” ul_item_indent=”35px” _builder_version=”4.16″ _module_preset=”default” text_font=”Kumbh Sans||||||||” text_text_color=”#565c64″ text_font_size=”17px” ul_line_height=”1.9em” header_3_font=”Poppins|700|||||||” header_3_text_color=”#026451″ header_3_font_size=”23px” header_3_letter_spacing=”1px” header_4_font=”|700|||||||” header_4_text_color=”#353535″ header_4_font_size=”21px” custom_margin=”25px||35px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”]

Overview:

The lowest FHA loan limit in Minnesota is $356,362. You’ll see that in places like Lake Benton in Lincoln County. 

Borrowing caps get higher in some areas. 

For instance, in Bloomington and Minneapolis, both in Hennepin County, you can borrow up to $402,500.

FHA Loan Limits In Minnesota: 

• Lowest: $356,362
• Highest: $402,500
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Aitkin,  Becker, Beltrami, Benton, Big Stone, Blue Earth, Brown, Carlton, Cass, Chippewa	$331,760
Clay, Clearwater, Cook, Cottonwood, Crow Wing, Dodge, Douglas, Faribault, Fillmore	$331,760
Freeborn, Goodhue, Grant, Houston, Hubbard, Itasca, Jackson, Kanabec, Kandiyohi	$331,760
Kittson, Koochiching, Lac Qui Parle, Lake, Lake Of The Woods,  Lincoln, Lyon, Mcleod, Mahnomen	$331,760
Marshall, Martin, Meeker, Morrison, Mower, Murray, Nicollet, Nobles, Norman, Olmsted, Otter Tail	$331,760
Pennington, Pine, Pipestone, Polk, Pope, Red Lake, Redwood, Renville, Rice, Rock, Roseau, St. Louis, Sibley, Stearns,	$331,760
Steele, Stevens, Swift, Todd, Traverse, Wabasha, Wadena, Waseca,  Watonwan, Wilkin, Winona, Yellow Medicine	$331,760
Anoka, Carver, Chisago, Dakota, Hennepin, Isanti, Le Sueur, Mille Lacs, Ramsey, Scott, Sherburne, Washington, Wright	$382,950

 

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Overview:

Mississippi FHA loan limits don’t vary at all. 

No matter where you buy your home – from small towns to larger cities like Biloxi, Jackson, Hattiesburg, and Gulfport – you’ll see the same max limit of $356,362. 

If you’re looking for a warm climate and pleasant winters, you’ll enjoy buying a house in the Magnolia State.

FHA Loan Limits In Mississippi: 

• Limit: $356,362
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Adams, Alcorn, Amite, Attala, Benton, Bolivar, Calhoun, Carroll, Chickasaw, Choctaw, Claiborne, Clarke, Clay	$331,760
Coahoma, Copiah, Covington, Desoto, Forrest, Franklin, George, Greene, Grenada, Hancock, Harrison, Hinds	$331,760
Holmes, Humphreys, Issaquena, Itawamba, Jackson, Jasper, Jefferson, Jefferson Davis, Jones, Kemper, Lafayette	$331,760
Lamar, Lauderdale, Lawrence, Leake, Lee, Leflore, Lincoln, Lowndes, Madison, Marion, Marshall, Monroe	$331,760
Montgomery, Neshoba, Newton, Noxubee, Oktibbeha, Panola, Pearl River, Perry, Pike, Pontotoc, Prentiss, Quitman	$331,760
Rankin, Scott, Sharkey, Simpson, Smith, Stone, Sunflower, Tallahatchie, Tate, Tippah, Tishomingo, Tunica	$331,760
Union, Walthall, Warren, Washington, Wayne, Webster, Wilkinson, Winston, Yalobusha, Yazoo	$331,760

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Overview:

Missouri FHA loan limits don’t vary much from one part of the state to another. Most counties let you borrow $356,362. 

A few counties, namely Clay, Clinton, and Lafayette, increase the max to $389,850. 

The cost of living in Missouri is lower than the national average, making it an affordable place to live. From the Ozarks to the Gateway Arch, there’s much to love about Missouri.

FHA Loan Limits In Missouri: 

• Lowest: $356,362
• Highest: $389,850
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Adair, Andrew, Atchison, Audrain, Barry, Barton, Benton, Bollinger, Boone, Buchanan, Butler	$331,760
Callaway, Camden, Cape Girardeau, Carroll, Carter, Cedar, Chariton, Christian, Clark, Cole	$331,760
Cooper, Crawford, Dade, Dallas, Daviess, Dekalb, Dent, Douglas, Dunklin, Franklin, Gasconade, Gentry	$331,760
Greene, Grundy, Harrison, Henry, Hickory, Holt, Howard, Howell, Iron, Jasper, Jefferson, Johnson	$331,760
Knox, Laclede, Lawrence, Lewis, Lincoln, Linn, Livingston, Mcdonald, Macon, Madison, Maries, Marion, Mercer	$331,760
Miller, Mississippi, Moniteau, Monroe, Montgomery, Morgan, New Madrid, Newton, Nodaway, Oregon, Osage	$331,760
Ozark, Pemiscot, Perry, Pettis, Phelps, Pike, Polk, Pulaski, Putnam, Ralls, Randolph, Reynolds, Ripley,	$331,760
St. Charles, St. Clair, Ste. Genevieve, St. Francois, St. Louis, Saline, Schuyler, Scotland, Scott, Shannon, Shelby, Stoddard	$351,900
Stone, Sullivan, Taney, Texas, Vernon, Warren, Washington, Wayne, Webster, Worth, Wright, St. Louis City	$331,760
Bates, Caldwell, Cass, Clay, Clinton, Jackson, Lafayette, Platte, Ray	$351,900

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Overview:

Montana FHA loan limits are similar throughout the regions of this Rocky Mountain state. Most areas allow you to borrow $356,362. 

Flathead County, which is where you’ll find the entrance to Glacier National Park, has a slightly higher cap of $378,350. 

And Gallatin County, near Yellowstone National Park? 

It’s higher yet, with FHA loans capped at $478,400.

FHA Loan Limits In Montana: 

• Lowest: $356,362
• Highest: $478,400
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Beaverhead, Big Horn, Blaine, Broadwater, Carbon, Carter, Cascade, Chouteau, Custer, Daniels, Dawson	$331,760
Deer Lodge, Fallon, Fergus, Garfield, Glacier, Golden Valley, Granite, Hill, Jefferson, Judith Basin, Lake, Lewis And Clark	$331,760
Liberty, Lincoln, Mccone, Madison, Meagher, Mineral, Musselshell, Petroleum, Phillips, Pondera, Powder River	$331,760
Powell, Prairie, Ravalli, Richland, Roosevelt, Rosebud, Sanders, Sheridan, Silver Bow, Stillwater, Sweet Grass, Teton, Toole	$331,760
Treasure, Valley, Wheatland, Wibaux, Yellowstone	$331,760
Park	$336,950
Flathead	$343,850
Missoula	$350,750
Gallatin	$438,150

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Overview:

If you’re looking to buy with an FHA loan, Nebraska FHA loan limits are $356,362 in most areas.

Higher loan limits are found in Lincoln and Logan counties, where you can borrow up to $433,550.

The Nebraska housing market is tough to predict.

Omaha is the most competitive, and houses usually sell in six days.

FHA Loan Limits In Nebraska: 

• Lowest: $356,362
• Highest: $433,550
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Adams, Antelope, Arthur, Banner, Blaine, Boone, Box Butte, Boyd, Brown, Buffalo, Burt, Butler	$331,760
Cass, Cedar, Chase, Cherry, Cheyenne, Clay, Colfax, Cuming, Custer, Dakota, Dawes, Dawson	$331,760
Deuel, Dixon, Dodge, Douglas, Dundy, Fillmore, Franklin, Frontier, Furnas, Gage, Garden, Garfield	$331,760
Gosper, Grant, Greeley, Hall, Hamilton, Harlan, Hayes, Hitchcock, Holt, Hooker, Howard,	$331,760
Jefferson, Johnson, Kearney, Keith, Keya Paha, Kimball, Knox, Lancaster, Loup, Madison, Merrick	$331,760
Morrill, Nance, Nemaha, Nuckolls, Otoe, Pawnee, Perkins, Phelps, Pierce, Platte	$331,760
Polk, Red Willow, Richardson, Rock, Saline, Sarpy, Saunders, Scotts Bluff, Seward, Sheridan, Sherman, Sioux, Stanton	$331,760
Thayer, Thomas, Thurston, Valley, Washington, Wayne, Webster, Wheeler, York	$331,760
Lincoln, Logan, McPherson	$433,550

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Overview:

From Lake Tahoe to Las Vegas, the Silver State has a neighborhood to fit every personality.  

You’ll find a cap somewhere between $356,352 and $500,250.

FHA Loan Limits In Nevada: 

• Lowest: $356,352
• Highest: 500,250
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Churchill, Clark, Douglas, Elko, Esmeralda, Eureka, Humboldt, Lander, Lincoln, Lyon	$331,760
Mineral, Nye, Pershing, Storey, Washoe, White Pine, Carson City	$331,760

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Overview:

You’ll find mountains, hills, and coastal areas in New Hampshire. The FHA loan limits in New Hampshire are just as varied as the landscape. 

Depending on where you’re purchasing a home, your FHA loan limit is likely to be $356,362. 

Unless you’re looking for a house in Rockingham or Strafford County, then you could borrow as much as $724,500.

FHA Loan Limits In Alabama:

• Lowest: $356,362
• Highest: $724,500
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Belknap, Carroll, Cheshire, Coos, Grafton, Merrimack, Sullivan	$331,760
Hillsborough	$339,250
Rockingham, Strafford	$690,000

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Overview:

New Jersey is home to beautiful beaches, busy roads, and diverse culture. The majority of New Jersey FHA loan limits are above the standard amount. 

Bergen, Union, and Sussex counties allow you to borrow $822,375. 

Atlantic County, where you’ll find Atlantic City, has the lowest borrowing limit of $356,362.

FHA Loan Limits In New Jersey: 

• Lowest: $356,362
• Highest: $822,375
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Atlantic, Cumberland	$331,760
Mercer	$345,000
Warren	$372,600
Burlington, Camden, Gloucester, Salem	$408,250
Cape May	$414,000
Bergen, Essex, Hudson, Hunterdon, Middlesex, Monmouth, Morris, Ocean, Passaic, Somerset, Sussex, Union	$765,600

 

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Overview:

The largest county by area in New Mexico is Catron County. You’ll be able to borrow up to $495,650 for an FHA loan if you’re buying a house there. 

For all other counties, New Mexico FHA loan limits are $356,362. 

If you live there or are just passing through, don’t miss Carlsbad Caverns and White Sands National Parks.

FHA Loan Limits In New Mexico: 

• Lowest: $356,362
• Highest: $495,650
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Bernalillo, Chaves, Cibola, Colfax, Curry, De Baca, Dona Ana, Eddy, Grant, Guadalupe, Harding, Hidalgo, Lea, Lincoln, Luna	$331,760
Mckinley, Mora, Otero, Quay, Rio Arriba, Roosevelt, Sandoval, San Juan, San Miguel, Santa Fe, Sierra, Socorro, Taos, Torrance, Union, Valencia	$331,760
Santa Fe	$380,650
Catron	$401,350
Los Alamos	$431,250

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Overview:

The Empire State is home to the largest city in the U.S.: New York City. You wouldn’t know it, but 86% of the state is made up of rural areas. 

High cost of living areas, like New York City, have significantly higher FHA loan limits going up to $822,375. 

More rural areas, like the town of Aurora in Cayuga County, peak at $356,362.

FHA Loan Limits In New York: 

• Lowest: $356,362
• Highest: $822,375
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Albany, Allegany, Broome, Cattaraugus, Cayuga, Chautauqua, Chemung, Chenango, Clinton, Columbia	$331,760
Cortland, Delaware, Erie, Essex, Franklin, Fulton, Genesee, Greene, Hamilton, Herkimer, Jefferson, Lewis, Livingston	$331,760
Madison, Monroe, Montgomery, Niagara, Oneida, Onondaga, Ontario, Orleans, Oswego, Otsego, Rensselaer	$331,760
St. Lawrence, Saratoga, Schenectady, Schoharie, Schuyler, Seneca, Steuben, Sullivan, Tioga, Tompkins, Ulster, Warren, Washington, Wayne, Wyoming, Yates	$331,760
Dutchess, Orange	$356,500
Bronx, Kings, Nassau, New York, Putnam, Queens, Richmond, Rockland, Suffolk, WestChester,	$765,600

 

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Overview:

For most of the state, North Carolina FHA loan limits are $356,362. 

Franklin and Johnston counties jump up to $371,450, while Pasquotank County and Perquimans County have much higher borrowing peaks of $805,000.

FHA Loan Limits In North Carolina: 

• Lowest: $356,362
• Highest: $805,000
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Alamance, Alexander, Alleghany, Anson, Ashe, Avery, Beaufort, Bertie, Bladen, Brunswick, Buncombe, Burke	$331,760
Cabarrus, Caldwell, Carteret, Caswell, Catawba, Cherokee, Chowan, Clay, Cleveland, Columbus, Craven, Cumberland	$331,760
Currituck, Davidson, Davie, Duplin,  Edgecombe, Forsyth,  Gaston, Gates, Graham,  Greene, Guilford, Halifax, Harnett	$331,760
Haywood, Henderson, Hertford, Hoke, Iredell, Jackson,  Jones, Lee, Lenoir, Lincoln, Mcdowell, Macon, Madison	$331,760
Martin, Mecklenburg, Mitchell, Montgomery, Moore, Nash, New Hanover, Northampton, Onslow, Pamlico, Pender, Pitt	$331,760
Polk, Randolph, Richmond, Robeson, Rockingham, Rowan, Rutherford, Sampson, Scotland, Stanly, Stokes, Surry	$331,760
Swain, Transylvania, Tyrrell, Union, Vance, Warren, Washington, Watauga, Wayne, Wilkes, Wilson, Yadkin, Yancey	$331,760
Franklin, Johnston, Wake	$353,050
Dare	$391,000
Chatham, Durham, Granville, Orange, Person	$414,000
Camden	$458,850
Hyde	$483,000
Pasquotank, Perquimans	$765,600

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Overview:

With nearly 90% of the state made up of farms and ranches, it’s no surprise that North Dakota FHA loan limits don’t have much variety.

You can borrow up to $356,362 everywhere.

FHA Loan Limits In North Dakota: 

• Limit: $356,362
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Adams, Barnes, Benson, Bottineau, Bowman, Burke, Burleigh, Cass, Cavalier, Dickey	$331,760
Divide, Dunn, Eddy, Emmons, Foster, Golden Valley, Grand Forks, Grant, Griggs, Hettinger, Kidder	$331,760
Lamoure, Logan, Mchenry, Mcintosh, Mckenzie, Mclean, Mercer, Morton, Mountrail, Nelson, Oliver	$331,760
Pembina, Pierce, Ramsey, Ransom, Renville, Richland, Rolette, Sargent, Sheridan, Sioux, Slope, Steele, Stutsman, Towner, Traill, Walsh, Ward, Wells, Williams	$331,760
Billings, Stark	$339,250

 

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Overview:

Like other midwest states, Ohio FHA loan limits don’t fluctuate much. The amount you borrow with an FHA loan can be as much as $356,362. 

Unless you’re in or around the city of Columbus, where your limit is higher. 

Franklin County, where you’ll find Columbus, and the surrounding counties of Delaware, Franklin, Hocking, Madison, Morrow, Perry, Pickaway, and Union, tend to have higher home prices. 

In those areas, borrowing up to $397,900 is possible.

FHA Loan Limits In Ohio: 

• Lowest: $356,362
• Highest: $397,900
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Adams, Allen, Ashland, Ashtabula, Athens, Auglaize, Belmont, Brown, Butler, Carroll, Champaign	$331,760
Clark, Clermont, Clinton, Columbiana, Coshocton, Crawford, Cuyahoga, Darke, Defiance,	$331,760
Erie, Fayette, Fulton, Gallia, Geauga, Greene, Guernsey, Hamilton, Hancock, Hardin	$331,760
Harrison, Henry, Highland, Holmes, Huron, Jackson, Jefferson, Knox, Lake, Lawrence	$331,760
Logan, Lorain, Lucas, Mahoning, Marion, Medina, Meigs, Mercer, Miami, Monroe	$331,760
Montgomery, Morgan,  Muskingum, Noble, Ottawa, Paulding, Pike, Portage	$331,760
Preble, Putnam, Richland, Ross, Sandusky, Scioto, Seneca, Shelby, Stark, Summit, Trumbull, Tuscarawas, Van Wert, Vinton, Warren, Washington, Wayne, Williams, Wood, Wyandot	$331,760
Delaware, Fairfield, Franklin, Hocking, Licking, Madison, Morrow, Perry, Pickaway, Union	$373,500

 

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Overview:

The south-central state of Oklahoma is a great place to take advantage of the low down payments that FHA loans are known for. 

The FHA loan limits in Oklahoma are capped at the standard limit, letting you borrow up to $356,362 no matter where you buy a house in the state.

FHA Loan Limits In Oklahoma: 

• Limit: $356,362
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Adair, Alfalfa, Atoka, Beaver, Beckham, Blaine, Bryan, Caddo, Canadian, Carter, Cherokee, Choctaw	$331,760
Cimarron, Cleveland, Coal, Comanche, Cotton, Craig, Creek, Custer, Delaware, Dewey, Ellis, Garfield	$331,760
Garvin, Grady, Grant, Greer, Harmon, Harper, Haskell, Hughes, Jackson, Jefferson, Johnston, Kay	$331,760
Kingfisher, Kiowa, Latimer, Le Flore, Lincoln, Logan, Love, Mcclain, Mccurtain, Mcintosh, Major, Marshall	$331,760
Mayes, Murray, Muskogee, Noble, Nowata, Okfuskee, Oklahoma, Okmulgee, Osage, Ottawa, Pawnee	$331,760
Payne, Pittsburg, Pontotoc, Pottawatomie, Pushmataha, Roger Mills, Rogers, Seminole, Sequoyah	$331,760
Stephens, Texas, Tillman, Tulsa, Wagoner, Washington, Washita, Woods, Woodward	$331,760

 

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Overview:

Most FHA loan limits in Oregon fall within the standard amount of $356,362. However, there are a few exceptions. 

You’ll see the highest limits in Portland and the surrounding area, which cap the amount at $517,500. 

FHA loans near Mt. Hood and Smith Rock State Park also allow higher amounts of $477,250 and $460,000, respectively.

Learn more about Oregon FHA Loans and Rates! 

FHA Loan Limits In Oregon: 

• Lowest: $356,362
• Highest: $517,500
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Baker, Coos, Crook, Curry, Douglas, Gilliam, Grant, Harney, Jefferson, Josephine, Klamath, Lake, Lane, Lincoln, Linn,	$331,760
Malheur, Morrow, Sherman, Tillamook, Umatilla, Union, Wallowa, Wasco, Wheeler	$331,760
Jackson	$333,500
Marion, Polk	$342,700
Clatsop	$345,000
Benton	$402,500
Deschutes	$431,250
Hood River	$477,250
Clackamas, Columbia, Multnomah, Washington, Yamhill	$491,050

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Overview:

Pennsylvania FHA loan limits in Philadelphia and Pittsburgh are $356,362. 

But Pike County, which is part of the New York-Newark-Jersey City Metropolitan Statistical Area, has a much higher borrowing limit of $765,600. 

Learn more about Pennsylvania FHA Loans and Rates! 

FHA Loan Limits In Pennsylvania: 

• Lowest: $356,362
• Highest: $765,600
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Adams, Allegheny, Armstrong, Beaver, Bedford, Berks, Blair, Bradford, Butler, Cambria, Cameron, Centre, Clarion	$331,760
Clearfield, Clinton, Columbia, Crawford, Cumberland, Dauphin, Elk, Erie, Fayette, Forest, Franklin, Fulton, Greene	$331,760
Huntingdon, Indiana, Jefferson, Juniata, Lackawanna, Lancaster, Lawrence, Lebanon, Luzerne, Lycoming	$331,760
Mckean, Mercer, Mifflin, Monroe, Montour,  Northumberland, Perry, Potter, Schuylkill, Snyder	$331,760
Somerset, Sullivan, Susquehanna, Tioga, Union, Venango, Warren, Washington, Wayne, Westmoreland, Wyoming, York	$331,760
Carbon, Lehigh, Northampton	$372,600
Bucks, Chester, Delaware, Montgomery, Philadelphia	$408,250
Pike	$765,600

 

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Overview:

As the smallest of all 50 states, Rhode Island has just five counties.

Rhode Island FHA loan limits are the same in each county, capping you at $506,000. 

The max amount is higher than the standard FHA limit because the area’s higher cost of living drives home prices to nearly $50,000 more than the national average.

FHA Loan Limits In Rhode Island: 

• Limit: $506,000
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Bristol, Kent, Newport, Providence, Washington	$460,000

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Overview:

Charleston and Hilton Head Island are a charming place to purchase a home. 

Homes tend to be more expensive, and the South Carolina FHA loan limits come in at $414,000 for the Charleston area and Hilton Head Island. 

In most other parts of the state, your cap will be $356,362.

FHA Loan Limits In South Carolina: 

• Limit: $356,362
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Abbeville, Aiken, Allendale, Anderson, Bamberg, Barnwell, Beaufort, Berkeley, Calhoun	$331,760
Charleston, Cherokee, Chester, Chesterfield, Clarendon, Colleton, Darlington, Dillon, Dorchester	$331,760
Edgefield, Fairfield, Florence, Georgetown, Greenville, Greenwood, Hampton, Horry, Jasper, Kershaw	$331,760
Lancaster, Laurens, Lee, Lexington, Mccormick, Marion, Marlboro, Newberry, Oconee, Orangeburg	$331,760
Pickens, Richland, Saluda, Spartanburg, Sumter, Union, Williamsburg, York	$331,760

 

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Overview:

To qualify for an FHA loan in South Dakota, your home must fall at or below South Dakota FHA loan limits. 

That means your borrowing power is capped at $356,362. 

You shouldn’t have trouble finding a place since the median home listing is $239,900.

FHA Loan Limits In South Dakota: 

• Limit: $356,362Lowest: $356,362
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Aurora, Beadle, Bennett, Bon Homme, Brookings, Brown, Brule, Buffalo, Butte, Campbell, Charles Mix	$331,760
Clark, Clay, Codington, Corson, Custer, Davison, Day, Deuel, Dewey, Douglas, Edmunds, Fall River	$331,760
Faulk, Grant, Gregory, Haakon, Hamlin, Hand, Hanson, Harding, Hughes, Hutchinson, Hyde, Jackson	$331,760
Jerauld, Jones, Kingsbury, Lake, Lawrence, Lincoln, Lyman, Mccook, Mcpherson, Marshall, Meade	$331,760
Mellette, Miner, Minnehaha, Moody, Oglala Lakota, Pennington, Perkins, Potter, Roberts, Sanborn	$331,760
Spink, Stanley, Sully, Todd, Tripp, Turner, Union, Walworth, Yankton, Ziebach	$331,760

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Overview:

There’s a great deal of variety in Tennessee FHA loan limits. Generally, your FHA loan can be up to $356,362 unless you’re buying in or around Nashville. 

Nashville is the state’s capital, and where you’ll find Vanderbilt University, the Grand Ole Opry House, and the Country Music Hall of Fame. 

If you’re looking at houses in Nashville or surrounding areas, you can borrow as much as $586,500 with an FHA loan.

Learn more about Tennessee FHA Loans and Rates! 

FHA Loan Limits In Tennessee: 

• Lowest: $356,362
• Highest: $586,500
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Anderson, Bedford, Benton, Bledsoe, Blount, Bradley, Campbell, Carroll, Carter, Chester, Claiborne, Clay, Cocke	$331,760
Coffee, Crockett, Cumberland, Decatur, Dekalb, Dyer, Fayette, Fentress, Franklin, Gibson, Giles, Grainger, Greene	$331,760
Grundy, Hamblen, Hamilton, Hancock, Hardeman, Hardin, Hawkins, Haywood, Henderson, Henry, Hickman, Houston	$331,760
Humphreys, Jackson, Jefferson, Johnson, Knox, Lake, Lauderdale, Lawrence, Lewis, Lincoln, Loudon, Mcminn	$331,760
Mcnairy, Madison, Marion, Marshall, Meigs, Monroe, Montgomery, Moore, Morgan, Obion, Overton, Perry	$331,760
Pickett, Polk, Putnam, Rhea, Roane, Scott, Sequatchie, Sevier, Shelby, Stewart, Sullivan, Tipton, Unicoi, Union, Van Buren, Warren, Washington, Wayne, Weakley, White	$331,760
Cannon, Cheatham, Davidson, Dickson, Macon, Maury, Robertson, Rutherford, Smith, Sumner, Trousdale, Williamson, Wilson	$563,500

 

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Overview:

Texas is the second-largest state, right behind Alaska. Home prices can vary throughout the 254 counties, depending on which part of the state you’re in. 

Generally, Texas FHA loan limits fall at the $356,362 mark. 

If you’re looking for a house in the Dallas-Fort Worth area, or near Austin, your limit goes up to $416,300.

Learn more about Texas FHA Loans and Rates! 

FHA Loan Limits In Texas: 

• Lowest: $356,362
• Highest: $416,300
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Anderson, Andrews, Angelina, Aransas, Archer, Armstrong, Austin, Bailey, Baylor, Bee, Bell, Blanco, Borden, Bosque	$331,760
Bowie, Brazoria, Brazos, Brewster, Briscoe, Brooks, Brown, Burleson, Burnet, Calhoun, Callahan, Cameron	$331,760
Camp, Carson, Cass, Castro, Chambers, Cherokee, Childress, Clay, Cochran, Coke, Coleman, Collingsworth	$331,760
Colorado, Comanche, Concho, Cooke, Coryell, Cottle, Crane, Crockett, Crosby, Culberson, Dallam, Dawson	$331,760
Deaf Smith, Delta, Dewitt, Dickens, Dimmit, Donley, Duval, Eastland, Ector, Edwards, El Paso, Erath, Falls, Fannin	$331,760
Fayette, Fisher, Floyd, Foard, Fort Bend, Franklin, Freestone, Frio, Gaines, Galveston, Garza, Gillespie, Glasscock, Goliad	$331,760
Gonzales, Gray, Grayson, Gregg, Grimes, Hale, Hall, Hamilton, Hansford, Hardeman, Hardin, Harris, Harrison	$331,760
Hartley, Haskell, Hemphill, Henderson, Hidalgo, Hill, Hockley, Hood, Hopkins, Houston, Howard, Hudspeth,	$331,760
Hutchinson, Irion, Jack, Jackson, Jasper, Jeff Davis, Jefferson, Jim Hogg, Jim Wells, Jones, Karnes, Kenedy	$331,760
Kent, Kerr,  Kimble, King, Kinney, Kleberg, Knox, Lamar, Lamb, Lampasas, La Salle, Lavaca, Lee, Leon, Liberty	$331,760
Limestone, Lipscomb, Live Oak, Llano, Loving, Lubbock, Lynn, Mcculloch, Mclennan, Mcmullen, Madison, Marion	$331,760
Mason, Matagorda, Maverick, Menard, Milam, Mills, Mitchell, Montague, Montgomery, Moore, Morris, Motley	$331,760
Nacogdoches, Navarro, Newton, Nolan, Nueces, Ochiltree, Oldham, Orange, Palo Pinto, Panola, Parmer, Pecos, Polk	$331,760
Potter, Presidio, Rains, Randall, Reagan, Real, Red River, Reeves, Refugio, Roberts, Robertson, Runnels, Rusk	$331,760
Sabine, San Augustine, San Jacinto, San Patricio, San Saba, Schleicher, Scurry, Shackelford, Shelby, Sherman, Smith	$331,760
Somervell, Starr, Stephens, Sterling, Stonewall, Sutton, Swisher, Taylor, Terrell, Terry, Throckmorton, Titus	$331,760
Potter, Presidio, Rains, Randall, Reagan, Real, Red River, Reeves, Refugio, Roberts, Robertson, Runnels, Rusk	$331,760
Webb, Wharton, Wheeler, Wichita, Wilbarger, Willacy, Winkler, Wood, Yoakum, Young, Zapata, Zavala	$331,760
Martin, Midland	$341,550
Atascosa, Bandera, Bexar, Comal, Guadalupe, Kendall, Medina, Wilson	$393,300
Bastrop, Caldwell, Collin, Dallas, Denton, Ellis, Hays, Hunt, Johnson, Kaufman, Parker, Rockwall, Tarrant, Travis, Williamson, Wise	$404,800

 

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Overview:

Throughout most of Utah, standard FHA loan limits of $356,362 to apply. 

Utah FHA loan limits in the counties surrounding Salt Lake City can jump as high as $817,650. Generally, higher caps are an indication of higher home prices in the area. 

Salt Lake City has a cap of $453,100, but the city has a competitive home market, which can drive costs up.

FHA Loan Limits In Utah: 

• Lowest: $356,362
• Highest: $817,650
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Beaver, Cache, Carbon, Daggett, Duchesne, Emery, Garfield, Grand, Iron, Kane, Millard, Piute, San Juan, Sanpete, Sevier, Uintah, Wayne	$331,760
Rich	$374,900
Washington	$377,200
Juab, Utah	$401,305
Salt Lake, Tooele	$416,300
Box Elder, Davis, Morgan, Weber	$646,300
Summit, Wasatch	$765,600

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Overview:

Vermont is one of the smaller states in the U.S., and buying a house there can give you breathtaking views of its forested landscape and covered bridges. 

In most areas, FHA loan limits in Vermont are capped at $356,362. 

Your borrowing power is higher in Chittenden, Franklin, and Grand Isle counties. In those areas, an FHA loan can go up to $379,500.

FHA Loan Limits In Vermont: 

• Lowest: $356,362
• Highest: $379,500
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Addison, Bennington, Caledonia, Essex, Lamoille, Orange, Orleans, Rutland, Washington, Windham, Windsor	$331,760
Chittenden, Franklin, Grand Isle	$368,000

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Overview:

Virginia is one of two states that border Washington, D.C. 

Unless you’re purchasing a home near the nation’s capital, FHA loan limits in Virginia tend to be $356,362. 

In counties nearest the Washington, D.C. border, such as Loudoun, Prince William, and Fairfax, your borrowing limit increases substantially to $822,375.

FHA Loan Limits In Virginia: 

• Lowest: $356,362
• Highest: $822,375
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Accomack, Alleghany, Amherst, Appomattox, Augusta, Bath, Bedford, Bland, Botetourt, Brunswick, Buchanan	$331,760
Buckingham, Campbell, Carroll, Charlotte, Craig, Dickenson, Essex, Floyd, Franklin, Frederick, Giles, Grayson	$331,760
Greensville, Halifax, Henry, Highland, Lee, Lunenburg, Mecklenburg, Middlesex, Montgomery, Northampton	$331,760
Northumberland, Nottoway, Orange, Page, Patrick, Pittsylvania, Prince Edward, Pulaski, Richmond, Roanoke	$331,760
Rockbridge, Rockingham, Russell, Scott, Shenandoah, Smyth, Surry, Tazewell, Washington, Westmoreland, Wise	$331,760
Wythe, Bristol City, Buena Vista City, Covington City, Danville City, Emporia City, Galax City, Harrisonburg City	$331,760
Lynchburg City, Martinsville City, Norton City, Portsmouth City, Radford City, Roanoke City, Salem City, Staunton City, Waynesboro City, Winchester City	$331,760
King George	$350,750
Lexington City	$354,200
Albemarle, Charlottesville City, Fluvanna, Greene, Nelson	$437,000
Lancaster	$442,750
Chesapeake City, Franklin City, Gloucester, Hampton City, Isle Of Wight, James City, Mathews, Newport News City	$458,850
Norfolk City, Poquoson City, Southampton, Suffolk City, Virginia Beach City, Williamsburg City, York	$458,850
Amelia, Charles City, Chesterfield, Colonial Height City,  Dinwiddie, Goochland, Hanover, Henrico, Hopewell City	$535,900
King and Queen, King William, Louisa, New Kent, Petersburg City, Powhatan, Prince George, Richmond City, Sussex	$535,900
Alexandria City, Arlington, Clarke, Culpeper, Fairfax, Fairfax City, Falls Church, Fauquier, Fredericksburg, Loudoun	$765,600
Madison, Manassas City, Manassas Park City, Prince William, Rappahannock, Spotsylvania, Stafford, Warren	$765,600

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Overview:

More than half of FHA loan limits in Washington state are $356,362. 

A few areas, namely in Seattle and the surrounding counties of King, Pierce, and Snohomish, you could get an FHA mortgage for up to $741,750.

FHA Loan Limits In Washington: 

• Lowest: $356,362
• Highest: $741,750
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Adams, Asotin, Benton, Columbia, Cowlitz, Ferry, Franklin,  Garfield, Grant, Grays Harbor, Kittitas, Klickitat, Lewis	$331,760
Lincoln,  Mason, Okanogan, Pacific, Pend Oreille, Spokane, Stevens, Wahkiakum, Walla Walla, Whitman, Yakima	$331,760
Chelan, Douglas	$345,000
Jefferson	$351,900
Thurston	$370,300
Skagit	$373,750
Clallam	$384,100
Island	$393,300
Kitsap	$395,600
Whatcom	$411,700
Clark, Skamania	$491,050
San Juan	$497,950
King, Pierce, Snohomish	$741,750

 

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Overview:

West Virginia is known as the Mountain State because it sits entirely within the Appalachian Mountain region. 

Your FHA loan limits in West Virginia caps at the standard amount of $356,362.

Every county in the state has the same limit, except for Jefferson County where Washington, Arlington and  Alexandria are located. 

FHA Loan Limits In West Virginia: 

• Lowest: $356,362
• Highest: $822,375
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Barbour, Berkeley, Boone, Braxton, Brooke, Cabell, Calhoun, Clay, Doddridge, Fayette, Gilmer, Grant, Greenbrier, Hampshire, Hancock, Hardy, Harrison, Jackson, Kanawha, Lewis, Lincoln, Logan, Mcdowell, Marion, Marshall, Mason, Mercer, Mineral, Mingo, Monongalia, Monroe, Morgan, Nicholas, Ohio, Pendleton, Pleasants, Pocahontas, Preston, Putnam, Raleigh, Randolph, Ritchie, Roane, Summers, Taylor, Tucker, Tyler, Upshur, Wayne, Webster, Wetzel, Wirt, Wood, Wyoming	$331,760
Jefferson	$368,000

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Overview:

Wisconsin FHA loan limits are pretty standard throughout the state.

In most areas, your max FHA loan can be $356,362.

The highest caps you’ll find for an FHA loan are in St. Croix and Pierce counties, which border Minneapolis, Minnesota.

FHA Loan Limits In Wisconsin: 

• Limit: $356,362
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Adams, Ashland, Barron, Bayfield, Brown, Buffalo, Burnett, Calumet, Chippewa, Clark, Columbia	$356,362
Crawford, Dane, Dodge, Door, Douglas, Dunn, Eau Claire, Florence, Fond Du Lac, Forest, Grant, Green	$356,362
Green Lake, Iowa, Iron, Jackson, Jefferson, Juneau, Kewaunee, La Crosse, Lafayette	$356,362
Langlade, Lincoln, Manitowoc, Marathon, Marinette, Marquette, Menominee, Milwaukee, Monroe	$356,362
Oconto, Oneida, Outagamie, Ozaukee, Pepin, Polk, Portage, Price, Racine, Richland, Rock, Rusk	$356,362
Sauk, Sawyer, Shawano, Sheboygan, Taylor, Trempealeau, Vernon, Vilas, Walworth	$356,362
Washburn, Washington, Waukesha, Waupaca, Waushara, Winnebago, Wood	$356,362
Kenosha	$379,500
Pierce, St. Croix	$402,500

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Overview:

Home to the official address of Yellowstone National Park, Wyoming is a beautiful place to call home.

Of course, buying a house in Teton County, which is nearest Yellowstone, will cost you more than any other part of the state.

Wyoming FHA loan limits are $356,362 everyone except Teton County, where your max is $822,375.

FHA Loan Limits In Wyoming 

• Lowest: $356,362
  
• Highest: $822,375
  
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Albany, Big Horn, Campbell, Carbon, Converse, Crook, Fremont, Goshen, Hot Springs, Johnson, Laramie, Lincoln, Natrona, Niobrara, Park, Platte, Sheridan, Sublette, Sweetwater, Uinta, Washakie, Weston	$356,362
Teton	$822,375

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Ready To Apply For Your FHA Loan?

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If you’re ready to buy a house with a lower down payment, an FHA loan might be just what you’re looking for.

FHA loans can get you into a new home with as little as 3.5% down.

But remember: FHA loans have requirements that you must stick to.

And if you don’t?

It could cost you your dream home!

And no one wants that.

That’s why you’re in good hands with the Wendy Thompson Lending Team – we’re an experienced FHA lender.

Call us if you’re ready to explore homeownership. We’re 100% committed to your satisfaction!

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