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2022 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 $420,680 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: $420,680.

FHA Loan Limits In Alabama:

• Limit: $420,680
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Autauga, Baldwin, Barbour, Bibb, Blount, Bullock, Butler, Calhoun, Chambers, Cherokee	$420,680
Chilton, Choctaw, Clarke, Clay, Cleburne, Coffee, Colbert, Conecuh, Coosa, Covington	$420,680
Crenshaw, Cullman, Dale, Dallas, Dekalb, Elmore, Escambia, Etowah, Fayette, Franklin	$420,680
Geneva, Greene, Hale, Henry, Houston, Jackson, Jefferson, Lamar, Lauderdale, Lawrence	$420,680
Lee, Limestone, Lowndes, Macon, Madison, Marengo, Marion, Marshall, Mobile, Monroe	$420,680
Montgomery, Morgan, Perry, Pickens, Pike, Randolph, Russell, St. Clair, Shelby, Sumter	$420,680
Talladega, Tallapoosa, Tuscaloosa, Walker, Washington, Wilcox, Winston	$420,680

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Overview:

The Alaska FHA loan limits are $420,680 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 $545,100 for a home in Aleutians West  or $503,700 in Sitka.

FHA Loan Limits In Alabama:

• Lowest: $420,680
• Highest: $545,100
• Website

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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 $420,680 wherever you’re buying a home.

FHA Loan Limits In Arizona:

• Limit: $420,680
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Apache, Cochise, Gila, Graham, Greenlee, La Paz,  Mohave, Navajo	$420,680
Pima, Santa Cruz, Yavapai, Yuma	$420,680
Maricopa, Pinal	$441, 600
Coconino	$423,200

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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 $420,680.

FHA Loan Limits In Alabama:

• Limit: $420,680
• Website

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Overview:

As you might have guessed, FHA loan limits in California are much higher than the standard $420,680 in some areas.

 The Golden State lets you get up to $970,800 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: $420,680
• Highest: $970,800
• 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	$420,680
Plumas	$420,680
Humboldt	$420,680
Amador	$538,650
Stanislaus	$588,850
Calaveras	$420,680
Mendocino	$506,000
Riverside, San Bernardino	$562,350
San Joaquin	$563,500
Alpine	$463,450
Nevada	$609,500
Solano	$614,100
Mono	$563,500
El Dorado, Placer, Sacramento	$675,050
Santa Barbara	$783,150
Monterey	$854,450
San Luis Obispo	$805,000
San Diego	$879,750
Sonoma	$764,750
Napa	$897,000
Alameda, Contra Costa, Los Angeles, Marin, Orange, San Benito, San Francisco, San Mateo, Santa Clara, Santa Cruz	$970,800
Inyo	$431,250

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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 $420,680.

But Colorado FHA loan limits in a city like Telluride go all the way up to $970,800.

 

FHA Loan Limits In Colorado:

• Lowest: $420,680
• Highest: $970,800
• 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	$420,680
El Paso	$460,000
Chaffee	$461,150
Gunnison	$431,250
La Plata	$494,500
Montrose, Ouray	$425,500
Hinsdale	$427,800
Larimer	$522,100
Grand	$534,750
Adams, Arapahoe, Broomfield, Clear Creek, Denver, Douglas, Elbert, Gilpin, Jefferson, Park	$684,250
Boulder County	$747,500
Eagle,	$862,500
Garfield, Pitkin	$970,800
Chaffee	$461,150
Larimer	$522,100

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Overview:

In New Haven, the county where you’ll find Yale University, the Connecticut FHA loan limit is $420,680.

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: $420,680
• Highest: $695,750
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
New Haven, New London	$420,680
Windham	$420,680
Hartford, Middlesex, Tolland	$420,680
Litchfield	$420,680
Fairfield	$695,750

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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 $420,680, while the max in New Castle is $477,250.

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	$420,680
New Castle	$477,250
Sussex	$420,680

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Overview:

Of the 67 Florida counties, 42 have FHA loan caps of $420,680.

But in Miami-Dade and Palm Beach counties, Florida FHA loan limits are $460,000.

And the gorgeous Florida Keys? You can buy a house up to $710,700 with an FHA loan.

Learn more about Florida FHA Loans and Rates!

FHA Loan Limits In Florida: 

• Lowest: $420,680
• Highest: $710,700
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Pasco, Pinellas, Polk, Putnam, Santa Rosa, Sarasota, Seminole, Sumter, Suwannee, Taylor, Union, Volusia, Wakulla, Washington	$420,680
Alachua, Bay, Bradford, Brevard, Calhoun, Charlotte, Citrus, Columbia, Desoto, Dixie, Escambia, Flagler, Franklin, Gadsden, Gilchrist, Glades, Gulf, Hamilton, Hardee, Hendry, Hernando	$420,680
Highlands, Hillsborough, Holmes, Indian River, Jackson, Jefferson, Lafayette, Lake, Lee, Leon, Levy, Liberty, Madison, Manatee, Marion, Okeechobee, Orange, Osceola	$420,680
Baker, Clay,  Nassau, Palm Beach	$420,680
Baker, Clay, Duval, Nassau, St. Johns	$432,400
Okaloosa, Walton	$539,350
Collier	$552,000
Monroe	$710,700
Martin,St. Lucie	$431,250
Broward, Miami-dade	$460,000
Okaloosa, Walton	$539,350

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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 $471,500.

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: $420,680
• Highest: $515,200
• 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,	$420,680
Burke, Calhoun, Camden, Candler,  Catoosa, Charlton, Chatham, Chattahoochee, Chattooga, Clay	$420,680
Clinch,  Coffee, Colquitt, Columbia, Cook,  Crawford, Crisp, Dade, Decatur,  Dodge, Dooly, Dougherty, Early,  Echols	$420,680
Effingham, Elbert, Emanuel, Evans, Fannin,  Floyd,  Franklin,  Gilmer, Glascock, Glynn, Gordon, Grady, ,  Habersham, Hall	$420,680
Hancock, Harris, Hart, Houston, Irwin, Jackson, Jeff Davis, Jefferson, Jenkins, Johnson, Jones, Lanier, Laurens, Lee	$420,680
Murray, Muscogee, Peach, Pierce, Polk, Pulaski, Putnam, Quitman, Rabun, Randolph, Richmond,  Schley, Screven	$420,680
Seminole, Stephens, Stewart, Sumter, Talbot, Taliaferro, Tattnall, Taylor, Telfair, Terrell, Thomas, Tift, Toombs, Towns	$420,680
Treutlen, Troup, Turner, Twiggs, Union, Upson, Walker,  Ware, Warren, Washington, Wayne, Webster, Wheeler, White	$420,680
Whitfield, Wilcox, Wilkes, Wilkinson, Worth	$420,680
Clarke, Madison	$457,700
Barrow, Bartow, Butts, Carroll, Cherokee, Clayton, Cobb, Coweta, Dawson, Dekalb, Douglas, Fayette, Forsyth, Fulton	$471,500
Gwinnett, Haralson, Heard, Henry, Jasper, Lamar, Meriwether, Morgan, Newton, Paulding, Pickens, Pike, Rockdale, Spalding, Walton	$471,500
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: $845,250.

FHA Loan Limits In Hawaii: 

• Lowest: $477,250
• Highest: $845,250
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Hawaii	$477,250
Kalawao, Maui	$828,000
Kauai	$845,250
Honolulu	$747,500

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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 $420,680.

The highest Idaho FHA loan limit is $970,800 in Teton County, situated along the Rocky Mountains.

FHA Loan Limits In Idaho: 

• Lowest: $420,680
• Highest: $970,800
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Adams, Bannock, Bear Lake, Benewah, Bingham, Bonneville, Boundary, Butte, Caribou, Cassia, Clark	$420,680
Clearwater, Custer, Elmore, Franklin, Fremont,  Gooding, Idaho, Jefferson, Jerome, Latah, Lemhi, Lewis, Lincoln, Madison	$420,680
Minidoka, Nez Perce, Oneida,  Payette, Power, Shoshone, Twin Falls, Valley, Washington	$420,680
Kootenai	$483,000
Ada, Boise, Canyon, Gem, Owyhee	$515,200
Camas, Blaine	$648,600
Teton	$970,800

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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 $420,680. But a few areas, such as Chicago’s Cook County, let you borrow up to $420,680.

FHA Loan Limits In Illinois: 

• Limit: $420,680
• 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	$420,680
Crawford, Cumberland,  De Witt, Douglas,  Edgar, Edwards, Effingham, Fayette, Ford, Franklin, Fulton, Gallatin	$420,680
Greene,  Hamilton, Hancock, Hardin, Henderson, Henry, Iroquois, Jackson, Jasper, Jefferson, Jersey, Jo Daviess	$420,680
Johnson,  Kankakee,  Knox,  Lasalle, Lawrence, Lee, Livingston, Logan, Mcdonough, Mclean, Macon, Macoupin, Madison	$420,680
Marion, Marshall, Mason, Massac, Menard, Mercer, Monroe, Montgomery, Morgan, Moultrie, Ogle, Peoria, Perry, Piatt	$420,680
Pike, Pope, Pulaski, Putnam, Randolph, Richland, Rock Island, St. Clair, Saline, Sangamon, Schuyler, Scott, Shelby, Stark	$420,680
Stephenson, Tazewell, Union, Vermilion, Wabash, Warren, Washington, Wayne, White, Whiteside,  Williamson, Woodford	$420,680
Boone, Winnebago	$420,680
Cook, Dekalb, Dupage, Grundy, Kane, Kendall, Lake, Mchenry, Will	$420,680

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Overview:

Like other states in the midwest, not many Indiana FHA loan limits are above the standard of $420,680.

Other Indiana counties, such as Jasper, Lake, Newton, and Porter, let you borrow up to $420,680.

FHA Loan Limits In Indiana: 

• Limit: $420,680
• 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	$420,680
Fayette,  Fountain, Franklin, Fulton, Gibson, Grant, Greene,  Henry, Howard, Huntington, Jackson, Jay, Jefferson, Jennings	$420,680
Knox, Kosciusko, Lagrange,  Laporte, Lawrence,  Marshall,  Martin, Miami, Monroe, Montgomery, Morgan,  Noble, Ohio	$420,680
Orange, Owen, Parke, Perry, Pike,  Posey, Pulaski,  Randolph, Ripley, Rush, St. Joseph, Scott, Spencer, Starke, Steuben	$420,680
Sullivan, Switzerland, Tippecanoe, Tipton, Union, Vanderburgh, Vermillion, Vigo, Wabash, Warren, Warrick, Wayne, Wells	$420,680
White, Whitley, Boone, Brown, Hamilton, Hancock, Hendricks, Johnson, Madison	$420,680
Clark, Floyd, Harrison, Washington	$420,680
Boone, Brown, Hamilton, Hancock, Hendricks, Johnson, Madison, Marion, Morgan, Putnam, Shelby	$420,680
Jasper, Lake, Newton, Porter	$420,680

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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 $420,680 in all 99 counties.

FHA Loan Limits In Iowa: 

• Limit: $420,680
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Adair, Adams, Allamakee, Appanoose, Audubon, Benton, Black Hawk, Boone, Bremer	$420,680
Buchanan, Buena Vista, Butler, Calhoun, Carroll, Cass, Cedar, Cerro Gordo, Cherokee, Chickasaw	$420,680
Clarke, Clay, Clayton, Clinton, Crawford, Dallas, Davis, Decatur, Delaware, Des Moines	$420,680
Dickinson, Dubuque, Emmet, Fayette, Floyd, Franklin, Fremont, Greene, Grundy, Guthrie	$420,680
Hamilton, Hancock, Hardin, Harrison, Henry, Howard, Humboldt, Ida, Iowa, Jackson	$420,680
Jasper, Jefferson, Johnson, Jones, Keokuk, Kossuth, Lee, Linn, Louisa, Lucas, Lyon	$420,680
Madison, Mahaska, Marion, Marshall, Mills, Mitchell, Monona, Monroe, Montgomery, Muscatine	$420,680
O’brien, Osceola, Page, Palo Alto, Plymouth, Pocahontas, Polk, Pottawattamie, Poweshiek, Ringgold	$420,680
Sac, Scott, Shelby, Sioux, Story, Tama, Taylor, Union, Van Buren, Wapello, Warren	$420,680
Washington, Wayne, Webster, Winnebago, Winneshiek, Woodbury, Worth, Wright	$420,680

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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 $420,680 in most counties, including Allen, Anderson, Cloud, Grove, Strafford, and Wichita.

But Kansas FHA loan limits in Leavenworth and Miami County go up to $431,250.

FHA Loan Limits In Kansas: 

• Lowest: $420,680
• Highest: $431,250
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Allen, Anderson, Atchison, Barber, Barton, Bourbon, Brown, Butler, Chase, Chautauqua	$420,680
Cherokee, Cheyenne, Clark, Clay, Cloud, Coffey, Comanche, Cowley, Crawford, Decatur	$420,680
Dickinson, Doniphan, Douglas, Edwards, Elk, Ellis, Ellsworth, Finney, Ford, Franklin	$420,680
Geary, Gove, Graham, Grant, Gray, Greeley, Greenwood, Hamilton, Harper, Harvey	$420,680
Haskell, Hodgeman, Jackson, Jefferson, Jewell, Kearny, Kingman, Kiowa, Labette	$420,680
Lane, Lincoln,  Logan, Lyon, Mcpherson, Marion, Marshall, Meade	$420,680
Mitchell, Montgomery, Morris, Morton, Nemaha, Neosho, Ness, Norton, Osage	$420,680
Osborne, Ottawa, Pawnee, Phillips, Pottawatomie, Pratt, Rawlins, Reno, Republic, Rice	$420,680
Riley, Rooks, Rush, Russell, Saline, Scott, Sedgwick, Seward, Shawnee, Sheridan, Sherman, Smith, Stafford, Stanton	$420,680
Stevens, Sumner, Thomas, Trego, Wabaunsee, Wallace, Washington, Wichita, Wilson, Woodson, Wyandotte	$420,680
Johnson, Leavenworth, Linn, Miami	$431,250

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Overview:

All FHA loan limits in Kentucky fall within the standard borrowing amount of $420,680.

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: $420,680
• 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	$420,680
Breathitt, Breckinridge, Butler, Caldwell, Calloway, Campbell, Carlisle, Carroll, Carter, Casey, Christian	$420,680
Clark, Clay, Clinton, Crittenden, Cumberland, Daviess, Edmonson, Elliott, Estill, Fayette	$420,680
Fleming, Floyd, Franklin, Fulton, Gallatin, Garrard, Grant, Graves, Grayson, Green, Greenup, Hancock	$420,680
Hardin, Harlan, Harrison, Hart, Henderson, Hickman, Hopkins, Jackson, Jessamine, Johnson	$420,680
Kenton, Knott, Knox, Larue, Laurel, Lawrence, Lee, Leslie, Letcher, Lewis, Lincoln, Livingston, Logan, Lyon	$420,680
Mccracken, Mccreary, Mclean, Madison, Magoffin, Marion, Marshall, Martin, Mason, Meade, Menifee	$420,680
Mercer, Metcalfe, Monroe, Montgomery, Morgan, Muhlenberg, Nelson, Nicholas, Ohio, Owen	$420,680
Owsley, Pendleton, Perry, Pike, Powell, Pulaski, Robertson, Rockcastle, Rowan, Russell, Scott, Simpson, Taylor, Todd,	$420,680
Trigg, Trimble, Union, Warren, Washington, Wayne, Webster, Whitley, Wolfe, Woodford	$420,680
Bullitt, Henry, Jefferson, Oldham, Shelby, Spencer	$420,680

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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 $420,680.

FHA Loan Limits In Louisiana: 

• Limit: $420,680
• Website

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Overview:

Like lobster? Then you’ll love Maine. Most areas let you borrow $420,680 with an FHA loan.

But Maine FHA loan limits in two counties along Casco Bay, Cumberland and Sagadahoc, jump a little higher to $463,450.

FHA Loan Limits In Maine: 

• Lowest: $420,680
• Highest: $463,450
• 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	$420,680
Cumberland, Sagadahoc, York	$463,450

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Overview:

FHA loan limits in Maryland are all over the place. The lowest cap is $420,680 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 $970,800.

FHA Loan Limits In Maryland: 

• Lowest: $420,680
• Highest: $970,800
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Allegany, Caroline, Dorchester, Garrett, Kent, Washington, Baltimore City	$420,680
Somerset, Wicomico, Worceste	$463,450
St. Mary’s	$420,680
Talbot	$431,250
Cecil	$477,250
Anne Arundel, Baltimore, Baltimore City, Carroll, Harford, Howard, Queen Anne’s	$583,050
Calvert, Charles, Frederick, Montgomery, Prince George’s	$970,800

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Overview:

A few FHA loan limits in Massachusetts are set at $420,680, 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 $970,800.

FHA Loan Limits In Massachusetts: 

• Lowest: $420,680
• Highest: $970,800
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Berkshire, Franklin, Hampden, Hampshire	$420,680
Worcester	$420,680
Bristol	$592,250
Barnstable	$621,000
Essex, Middlesex, Norfolk, Plymouth, Suffolk	$770,500
Dukes, Nantucket	$970,800

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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 $420,680.

FHA Loan Limits In Michigan: 

• Limit: $420,680
• 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	$420,680
Cass, Charlevoix, Cheboygan, Chippewa, Clare, Clinton, Crawford, Delta, Dickinson, Eaton, Emmet	$420,680
Genesee, Gladwin, Gogebic, Grand Traverse, Gratiot, Hillsdale, Houghton, Huron, Ingham, Ionia, Iosco, Iron	$420,680
Isabella, Jackson, Kalamazoo, Kalkaska, Kent, Keweenaw, Lake, Lapeer, Leelanau, Lenawee, Livingston, Luce	$420,680
Mackinac, Macomb, Manistee, Marquette, Mason, Mecosta, Menominee, Midland, Missaukee, Monroe	$420,680
Montcalm, Montmorency, Muskegon, Newaygo, Oakland, Oceana, Ogemaw, Ontonagon, Osceola, Oscoda	$420,680
Otsego, Ottawa, Presque Isle, Roscommon, Saginaw, St. Clair, St. Joseph, Sanilac, Schoolcraft, Shiawassee	$420,680
Tuscola, Van Buren, Washtenaw, Wayne, Wexford	$420,680

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Overview:

The lowest FHA loan limit in Minnesota is $420,680. 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 $448,500.

FHA Loan Limits In Minnesota: 

• Lowest: $420,680
• Highest: $448,500
• 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	$420,680
Clay, Clearwater, Cook, Cottonwood, Crow Wing, Dodge, Douglas, Faribault, Fillmore	$420,680
Freeborn, Goodhue, Grant, Houston, Hubbard, Itasca, Jackson, Kanabec, Kandiyohi	$420,680
Kittson, Koochiching, Lac Qui Parle, Lake, Lake Of The Woods,  Lincoln, Lyon, Mcleod, Mahnomen	$420,680
Marshall, Martin, Meeker, Morrison, Mower, Murray, Nicollet, Nobles, Norman, Olmsted, Otter Tail	$420,680
Pennington, Pine, Pipestone, Polk, Pope, Red Lake, Redwood, Renville, Rice, Rock, Roseau, St. Louis, Sibley, Stearns,	$420,680
Steele, Stevens, Swift, Todd, Traverse, Wabasha, Wadena, Waseca,  Watonwan, Wilkin, Winona, Yellow Medicine	$420,680
Anoka, Carver, Chisago, Dakota, Hennepin, Isanti, Le Sueur, Mille Lacs, Ramsey, Scott, Sherburne, Washington, Wright	$448,500

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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 $420,680.

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: $420,680
• 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	$420,680
Coahoma, Copiah, Covington, Desoto, Forrest, Franklin, George, Greene, Grenada, Hancock, Harrison, Hinds	$420,680
Holmes, Humphreys, Issaquena, Itawamba, Jackson, Jasper, Jefferson, Jefferson Davis, Jones, Kemper, Lafayette	$420,680
Lamar, Lauderdale, Lawrence, Leake, Lee, Leflore, Lincoln, Lowndes, Madison, Marion, Marshall, Monroe	$420,680
Montgomery, Neshoba, Newton, Noxubee, Oktibbeha, Panola, Pearl River, Perry, Pike, Pontotoc, Prentiss, Quitman	$420,680
Rankin, Scott, Sharkey, Simpson, Smith, Stone, Sunflower, Tallahatchie, Tate, Tippah, Tishomingo, Tunica	$420,680
Union, Walthall, Warren, Washington, Wayne, Webster, Wilkinson, Winston, Yalobusha, Yazoo	$420,680

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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 $420,680.

A few counties, namely Clay, Clinton, and Lafayette, increase the max to 431,250.

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: $420,680
• Highest: $431,250
• 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	$420,680
Callaway, Camden, Cape Girardeau, Carroll, Carter, Cedar, Chariton, Christian, Clark, Cole	$420,680
Cooper, Crawford, Dade, Dallas, Daviess, Dekalb, Dent, Douglas, Dunklin, Franklin, Gasconade, Gentry	$420,680
Greene, Grundy, Harrison, Henry, Hickory, Holt, Howard, Howell, Iron, Jasper, Jefferson, Johnson	$420,680
Knox, Laclede, Lawrence, Lewis, Lincoln, Linn, Livingston, Mcdonald, Macon, Madison, Maries, Marion, Mercer	$420,680
Miller, Mississippi, Moniteau, Monroe, Montgomery, Morgan, New Madrid, Newton, Nodaway, Oregon, Osage	$420,680
Ozark, Pemiscot, Perry, Pettis, Phelps, Pike, Polk, Pulaski, Putnam, Ralls, Randolph, Reynolds, Ripley,	$420,680
St. Charles, St. Clair, Ste. Genevieve, St. Francois, St. Louis, Saline, Schuyler, Scotland, Scott, Shannon, Shelby, Stoddard	$420,680
Stone, Sullivan, Taney, Texas, Vernon, Warren, Washington, Wayne, Webster, Worth, Wright, St. Louis City	$420,680
Bates, Caldwell, Cass, Clay, Clinton, Jackson, Lafayette, Platte, Ray	$431,250

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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 $420,680

Flathead County, which is where you’ll find the entrance to Glacier National Park, has a slightly higher cap of $441,600. 

And Gallatin County, near Yellowstone National Park? 

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

FHA Loan Limits In Montana: 

• Lowest: $420,680
• Highest: $603750
• 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	$420,680
Deer Lodge, Fallon, Fergus, Garfield, Glacier, Golden Valley, Granite, Hill, Jefferson, Judith Basin, Lake, Lewis And Clark	$420,680
Liberty, Lincoln, Mccone, Madison, Meagher, Mineral, Musselshell, Petroleum, Phillips, Pondera, Powder River	$420,680
Powell, Prairie, Ravalli, Richland, Roosevelt, Rosebud, Sanders, Sheridan, Silver Bow, Stillwater, Sweet Grass, Teton, Toole	$420,680
Treasure, Valley, Wheatland, Wibaux, Yellowstone	$420,680
Park	$460,000
Flathead	$441,600
Missoula	$471,500
Gallatin	$603750

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Overview:

If you’re looking to buy with an FHA loan, Nebraska FHA loan limits are $420,680 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: $420,680
• 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	$420,680
Cass, Cedar, Chase, Cherry, Cheyenne, Clay, Colfax, Cuming, Custer, Dakota, Dawes, Dawson	$420,680
Deuel, Dixon, Dodge, Douglas, Dundy, Fillmore, Franklin, Frontier, Furnas, Gage, Garden, Garfield	$420,680
Gosper, Grant, Greeley, Hall, Hamilton, Harlan, Hayes, Hitchcock, Holt, Hooker, Howard,	$420,680
Jefferson, Johnson, Kearney, Keith, Keya Paha, Kimball, Knox, Lancaster, Loup, Madison, Merrick	$420,680
Morrill, Nance, Nemaha, Nuckolls, Otoe, Pawnee, Perkins, Phelps, Pierce, Platte	$420,680
Polk, Red Willow, Richardson, Rock, Saline, Sarpy, Saunders, Scotts Bluff, Seward, Sheridan, Sherman, Sioux, Stanton	$420,680
Thayer, Thomas, Thurston, Valley, Washington, Wayne, Webster, Wheeler, York	$420,680
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 $420,680 and $569,250.

FHA Loan Limits In Nevada: 

• Lowest: $420,680
• Highest: $569,250
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Churchill, Elko, Esmeralda, Eureka, Humboldt, Lander, Lincoln, Lyon	$420,680
Mineral, Nye, Pershing, White Pine	$420,680
Clark	$420,680
Carson City	$448,500
Storey, Washoe	$534,750
Douglas	$569,250

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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 $420,680.

Unless you’re looking for a house in Rockingham or Strafford County, then you could borrow as much as $770,500.

FHA Loan Limits In Alabama:

• Lowest: $420,680
• Highest: $770,500
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Belknap, Carroll, Cheshire, Coos, Grafton, Merrimack, Sullivan	$420,680
Hillsborough	$430,100
Rockingham, Strafford	$770,500

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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 $970,800.

Atlantic County, where you’ll find Atlantic City, has the lowest borrowing limit of $420,680.

FHA Loan Limits In New Jersey: 

• Lowest:  $420,680
• Highest: $970,800
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Atlantic, Cumberland	$420,680
Mercer	$420,680
Warren	$420,680
Burlington, Camden, Gloucester, Salem	$477,250
Cape May	$489,900
Bergen, Essex, Hudson, Hunterdon, Middlesex, Monmouth, Morris, Ocean, Passaic, Somerset, Sussex, Union	$970,800

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Overview:

The largest county by area in New Mexico is Catron County. You’ll be able to borrow up to $530,150 for an FHA loan if you’re buying a house there.

For all other counties, New Mexico FHA loan limits are $420,680.

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: $420,680
• Highest: $530,150
• 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	$420,680
Mckinley, Mora, Otero, Quay, Rio Arriba, Roosevelt, Sandoval, San Juan, San Miguel, Santa Fe, Sierra, Socorro, Torrance, Union, Valencia	$420,680
Santa Fe	$468,050
Catron	$420,680
Los Alamos	$530,150
Taos	$423,200

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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 $970,800.

More rural areas, like the town of Aurora in Cayuga County, peak at $420,680.

FHA Loan Limits In New York: 

• Lowest: $420,680
• Highest: $970,800
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Albany, Allegany, Broome, Cattaraugus, Cayuga, Chautauqua, Chemung, Chenango, Clinton, Columbia	$420,680
Cortland, Delaware, Erie, Essex, Franklin, Fulton, Genesee, Greene, Hamilton, Herkimer, Jefferson, Lewis, Livingston	$420,680
Madison, Monroe, Montgomery, Niagara, Oneida, Onondaga, Ontario, Orleans, Oswego, Otsego, Rensselaer	$420,680
St. Lawrence, Saratoga, Schenectady, Schoharie, Schuyler, Seneca, Steuben, Sullivan, Tioga, Tompkins, Ulster, Warren, Washington, Wayne, Wyoming, Yates	$420,680
Dutchess, Orange	$420,680
Bronx, Kings, Nassau, New York, Putnam, Queens, Richmond, Rockland, Suffolk, WestChester,	$970,800

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Overview:

For most of the state, North Carolina FHA loan limits are $420,680.

Franklin and Johnston counties jump up to $420,680, while Pasquotank County and Perquimans County have much higher borrowing peaks of $805,000.

FHA Loan Limits In North Carolina: 

• Lowest: $420,680
• 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	$420,680
Cabarrus, Caldwell, Carteret, Caswell, Catawba, Cherokee, Chowan, Clay, Cleveland, Columbus, Craven, Cumberland	$420,680
Davidson, Davie, Duplin, Edgecombe, Forsyth, Gaston, Gates, Graham, Greene, Guilford, Halifax, Harnett	$420,680
Haywood, Henderson, Hertford, Hoke, Iredell, Jackson,  Jones, Lee, Lenoir, Lincoln, Mcdowell, Macon, Madison	$420,680
Martin, Mecklenburg, Mitchell, Montgomery, Moore, Nash, New Hanover, Northampton, Onslow, Pamlico, Pender, Pitt	$420,680
Polk, Randolph, Richmond, Robeson, Rockingham, Rowan, Rutherford, Sampson, Scotland, Stanly, Stokes, Surry	$420,680
Swain, Transylvania, Tyrrell, Union, Vance, Warren, Washington, Watauga, Wayne, Wilkes, Wilson, Yadkin, Yancey	$420,680
Franklin, Johnston, Wake	$420,680
Dare	$471,500
Chatham, Durham, Granville, Orange, Person	$506,000
Currituck, Camden	$488,750
Hyde	$483,000
Pasquotank, Perquimans	$805,000

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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 $420,680 everywhere.

FHA Loan Limits In North Dakota: 

• Limit: $420,680
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Adams, Barnes, Benson, Bottineau, Bowman, Burke, Burleigh, Cass, Cavalier, Dickey	$420,680
Divide, Dunn, Eddy, Emmons, Foster, Golden Valley, Grand Forks, Grant, Griggs, Hettinger, Kidder	$420,680
Lamoure, Logan, Mchenry, Mcintosh, Mckenzie, Mclean, Mercer, Morton, Mountrail, Nelson, Oliver	$420,680
Pembina, Pierce, Ramsey, Ransom, Renville, Richland, Rolette, Sargent, Sheridan, Sioux, Slope, Steele, Stutsman, Towner, Traill, Walsh, Ward, Wells, Williams	$420,680
Billings, Stark	$420,680

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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 $420,680.

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 $439,300 is possible.

FHA Loan Limits In Ohio: 

• Lowest: $420,680
• Highest: $439,300
• 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	$420,680
Clark, Clermont, Clinton, Columbiana, Coshocton, Crawford, Cuyahoga, Darke, Defiance,	$420,680
Erie, Fayette, Fulton, Gallia, Geauga, Greene, Guernsey, Hamilton, Hancock, Hardin	$420,680
Harrison, Henry, Highland, Holmes, Huron, Jackson, Jefferson, Knox, Lake, Lawrence	$420,680
Logan, Lorain, Lucas, Mahoning, Marion, Medina, Meigs, Mercer, Miami, Monroe	$420,680
Montgomery, Morgan,  Muskingum, Noble, Ottawa, Paulding, Pike, Portage	$420,680
Preble, Putnam, Richland, Ross, Sandusky, Scioto, Seneca, Shelby, Stark, Summit, Trumbull, Tuscarawas, Van Wert, Vinton, Warren, Washington, Wayne, Williams, Wood, Wyandot	$420,680
Delaware, Fairfield, Franklin, Hocking, Licking, Madison, Morrow, Perry, Pickaway, Union	$439,300

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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 $420,680 no matter where you buy a house in the state.

FHA Loan Limits In Oklahoma: 

• Limit: $420,680
• 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	$420,680
Cimarron, Cleveland, Coal, Comanche, Cotton, Craig, Creek, Custer, Delaware, Dewey, Ellis, Garfield	$420,680
Garvin, Grady, Grant, Greer, Harmon, Harper, Haskell, Hughes, Jackson, Jefferson, Johnston, Kay	$420,680
Kingfisher, Kiowa, Latimer, Le Flore, Lincoln, Logan, Love, Mcclain, Mccurtain, Mcintosh, Major, Marshall	$420,680
Mayes, Murray, Muskogee, Noble, Nowata, Okfuskee, Oklahoma, Okmulgee, Osage, Ottawa, Pawnee	$420,680
Payne, Pittsburg, Pontotoc, Pottawatomie, Pushmataha, Roger Mills, Rogers, Seminole, Sequoyah	$420,680
Stephens, Texas, Tillman, Tulsa, Wagoner, Washington, Washita, Woods, Woodward	$420,680

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Overview:

Most FHA loan limits in Oregon fall within the standard amount of $420,680. However, there are a few exceptions.

You’ll see the highest limits in Portland and the surrounding area, which cap the amount at $598,000.

FHA loans near Mt. Hood and Smith Rock State Park also allow higher amounts of $569,250 and $599,150, respectively.

Learn more about Oregon FHA Loans and Rates!

FHA Loan Limits In Oregon: 

• Lowest: $420,680
• Highest: $599,150
• 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,	$420,680
Malheur, Morrow, Sherman, Tillamook, Umatilla, Union, Wallowa, Wasco, Wheeler	$420,680
Jackson	$420,680
Marion, Polk	$420,680
Clatsop	$437,000
Benton	$483,000
Deschutes	$569,250
Hood River	$599,150
Clackamas, Columbia, Multnomah, Washington, Yamhill	$598,000

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Overview:

Pennsylvania FHA loan limits in Philadelphia and Pittsburgh are $420,680.

But Pike County, which is part of the New York-Newark-Jersey City Metropolitan Statistical Area, has a much higher borrowing limit of $477,250.

Learn more about Pennsylvania FHA Loans and Rates!

FHA Loan Limits In Pennsylvania: 

• Lowest: $420,680
• Highest: $477,250
• 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	$420,680
Clearfield, Clinton, Columbia, Crawford, Cumberland, Dauphin, Elk, Erie, Fayette, Forest, Franklin, Fulton, Greene	$420,680
Huntingdon, Indiana, Jefferson, Juniata, Lackawanna, Lancaster, Lawrence, Lebanon, Luzerne, Lycoming	$420,680
Mckean, Mercer, Mifflin, Monroe, Montour,  Northumberland, Perry, Potter, Schuylkill, Snyder	$420,680
Somerset, Sullivan, Susquehanna, Tioga, Union, Venango, Warren, Washington, Wayne, Westmoreland, Wyoming, York	$420,680
Carbon, Lehigh, Northampton	$420,680
Bucks, Chester, Delaware, Montgomery, Philadelphia	$477,250
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 $592,250.

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: $592,250
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Bristol, Kent, Newport, Providence, Washington	$592,250

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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 $473,800 for the Charleston area and Hilton Head Island. 

In most other parts of the state, your cap will be $420,680.

FHA Loan Limits In South Carolina: 

• Limit: $420,680
• Website

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COUNTIES	MAX FHA LOAN LIMIT FOR A SINGLE UNIT
Abbeville, Aiken, Allendale, Anderson, Bamberg, Barnwell, Beaufort, Calhoun	$420,680
Cherokee, Chester, Chesterfield, Clarendon, Colleton, Darlington, Dillon	$420,680
Edgefield, Fairfield, Florence, Georgetown, Greenville, Greenwood, Hampton, Horry, Jasper, Kershaw	$420,680
Lancaster, Laurens, Lee, Lexington, Mccormick, Marion, Marlboro, Newberry, Oconee, Orangeburg	$420,680
Pickens, Richland, Saluda, Spartanburg, Sumter, Union, Williamsburg, York	$420,680
Berkeley, Charleston, Dorchester	$473,800

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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 $420,680.

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

FHA Loan Limits In South Dakota: 

• Limit: $420,680
• 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	$420,680
Clark, Clay, Codington, Corson, Custer, Davison, Day, Deuel, Dewey, Douglas, Edmunds, Fall River	$420,680
Faulk, Grant, Gregory, Haakon, Hamlin, Hand, Hanson, Harding, Hughes, Hutchinson, Hyde, Jackson	$420,680
Jerauld, Jones, Kingsbury, Lake, Lawrence, Lincoln, Lyman, Mccook, Mcpherson, Marshall, Meade	$420,680
Mellette, Miner, Minnehaha, Moody, Oglala Lakota, Pennington, Perkins, Potter, Roberts, Sanborn	$420,680
Spink, Stanley, Sully, Todd, Tripp, Turner, Union, Walworth, Yankton, Ziebach	$420,680

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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 $420,680 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 $694,600 with an FHA loan.

Learn more about Tennessee FHA Loans and Rates!

FHA Loan Limits In Tennessee: 

• Lowest: $420,680
• Highest: $694,600
• Website

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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 $420,680 mark.

If you’re looking for a house in the Dallas-Fort Worth area, or near Austin, your limit goes up to $450,800.

Learn more about Texas FHA Loans and Rates!

FHA Loan Limits In Texas: 

• Lowest: $420,680
• Highest: $450,800
• 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	$420,680
Bowie, Brazoria, Brazos, Brewster, Briscoe, Brooks, Brown, Burleson, Burnet, Calhoun, Callahan, Cameron	$420,680
Camp, Carson, Cass, Castro, Chambers, Cherokee, Childress, Clay, Cochran, Coke, Coleman, Collingsworth	$420,680
Colorado, Comanche, Concho, Cooke, Coryell, Cottle, Crane, Crockett, Crosby, Culberson, Dallam, Dawson	$420,680
Deaf Smith, Delta, Dewitt, Dickens, Dimmit, Donley, Duval, Eastland, Ector, Edwards, El Paso, Erath, Falls, Fannin	$420,680
Fayette, Fisher, Floyd, Foard, Fort Bend, Franklin, Freestone, Frio, Gaines, Galveston, Garza, Gillespie, Glasscock, Goliad	$420,680
Gonzales, Gray, Grayson, Gregg, Grimes, Hale, Hall, Hamilton, Hansford, Hardeman, Hardin, Harris, Harrison	$420,680
Hartley, Haskell, Hemphill, Henderson, Hidalgo, Hill, Hockley, Hood, Hopkins, Houston, Howard, Hudspeth,	$420,680
Hutchinson, Irion, Jack, Jackson, Jasper, Jeff Davis, Jefferson, Jim Hogg, Jim Wells, Jones, Karnes, Kenedy	$420,680
Kent, Kerr,  Kimble, King, Kinney, Kleberg, Knox, Lamar, Lamb, Lampasas, La Salle, Lavaca, Lee, Leon, Liberty	$420,680
Limestone, Lipscomb, Live Oak, Llano, Loving, Lubbock, Lynn, Mcculloch, Mclennan, Mcmullen, Madison, Marion	$420,680
Mason, Matagorda, Maverick, Menard, Milam, Mills, Mitchell, Montague, Montgomery, Moore, Morris, Motley	$420,680
Nacogdoches, Navarro, Newton, Nolan, Nueces, Ochiltree, Oldham, Orange, Palo Pinto, Panola, Parmer, Pecos, Polk	$420,680
Potter, Presidio, Rains, Randall, Reagan, Real, Red River, Reeves, Refugio, Roberts, Robertson, Runnels, Rusk	$420,680
Sabine, San Augustine, San Jacinto, San Patricio, San Saba, Schleicher, Scurry, Shackelford, Shelby, Sherman, Smith	$420,680
Somervell, Starr, Stephens, Sterling, Stonewall, Sutton, Swisher, Taylor, Terrell, Terry, Throckmorton, Titus	$420,680
Potter, Presidio, Rains, Randall, Reagan, Real, Red River, Reeves, Refugio, Roberts, Robertson, Runnels, Rusk	$420,680
Webb, Wharton, Wheeler, Wichita, Wilbarger, Willacy, Winkler, Wood, Yoakum, Young, Zapata, Zavala	$420,680
Martin, Midland	$420,680
Atascosa, Bandera, Bexar, Comal, Guadalupe, Kendall, Medina, Wilson	$449,650
Bastrop, Caldwell, Collin, Dallas, Denton, Ellis, Hays, Hunt, Johnson, Kaufman, Parker, Rockwall, Tarrant, Travis, Williamson, Wise	$450,800

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Overview:

Throughout most of Utah, standard FHA loan limits of $420,680 to apply.

Utah FHA loan limits in the counties surrounding Salt Lake City can jump as high as $523,250. 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: $420,680
• Highest: $970,800
• 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	$420,680
Rich	$447,350
Washington	$481,850
Juab, Utah	$508,300
Salt Lake, Tooele	$523,250
Box Elder, Davis, Morgan, Weber	$646,300
Summit, Wasatch	$970,800

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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 $420,680.

Your borrowing power is higher in Chittenden, Franklin, and Grand Isle counties. In those areas, an FHA loan can go up to $434,700.

FHA Loan Limits In Vermont: 

• Lowest: $420,680
• Highest: $434,700
• 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	$420,680
Chittenden, Franklin, Grand Isle	$434,700

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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 $420,680.

In counties nearest the Washington, D.C. border, such as Loudoun, Prince William, and Fairfax, your borrowing limit increases substantially to $970,800.

FHA Loan Limits In Virginia: 

• Lowest: $420,680
• Highest: $970,800
• 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	$420,680
Buckingham, Campbell, Carroll, Charlotte, Craig, Dickenson, Essex, Floyd, Franklin, Frederick, Giles, Grayson	$420,680
Greensville, Halifax, Henry, Highland, Lee, Lunenburg, Mecklenburg, Middlesex, Montgomery, Northampton	$420,680
Northumberland, Nottoway, Orange, Page, Patrick, Pittsylvania, Prince Edward, Pulaski, Richmond, Roanoke	$420,680
Rockbridge, Rockingham, Russell, Scott, Shenandoah, Smyth, Surry, Tazewell, Washington, Westmoreland, Wise	$420,680
Wythe, Bristol City, Buena Vista City, Covington City, Danville City, Emporia City, Galax City, Harrisonburg City	$420,680
Lynchburg City, Martinsville City, Norton City, Portsmouth City, Radford City, Roanoke City, Salem City, Staunton City, Waynesboro City, Winchester City	$420,680
King George	$420,680
Lexington City	$420,680
Albemarle, Charlottesville City, Fluvanna, Greene, Nelson	$460,000
Lancaster	$442,750
Chesapeake City, Franklin City, Gloucester, Hampton City, Isle Of Wight, James City, Mathews, Newport News City	$488,750
Norfolk City, Poquoson City, Southampton, Suffolk City, Virginia Beach City, Williamsburg City, York	$488,750
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	$970,800
Madison, Manassas City, Manassas Park City, Prince William, Rappahannock, Spotsylvania, Stafford, Warren	$970,800

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Overview:

More than half of FHA loan limits in Washington state are $420,680.

A few areas, namely in Seattle and the surrounding counties of King, Pierce, and Snohomish, you could get an FHA mortgage for up to $891,250.

FHA Loan Limits In Washington: 

• Lowest: $420,680
• Highest: $891,250
• 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	$420,680
Lincoln,  Mason, Okanogan, Pacific, Pend Oreille, Spokane, Stevens, Wahkiakum, Walla Walla, Whitman, Yakima	$420,680
Chelan, Douglas	$420,680
Jefferson	$420,680
Thurston	$477,250
Skagit	$473,800
Clallam	$420,680
Island	$511,750
Kitsap	$497,950
Whatcom	$514,050
Clark, Skamania	$598,000
San Juan	$497,950
King, Pierce, Snohomish	$891,250

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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 $420,680.

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: $420,680
• Highest: $970,800
• 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	$42,680
Jefferson	$970,800

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Overview:

Wisconsin FHA loan limits are pretty standard throughout the state.

In most areas, your max FHA loan can be $420,680.

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: $448,500
• 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	$420,680
Crawford, Dane, Dodge, Door, Douglas, Dunn, Eau Claire, Florence, Fond Du Lac, Forest, Grant, Green	$420,680
Green Lake, Iowa, Iron, Jackson, Jefferson, Juneau, Kenosha, Kewaunee, La Crosse, Lafayette	$420,680
Langlade, Lincoln, Manitowoc, Marathon, Marinette, Marquette, Menominee, Milwaukee, Monroe	$420,680
Oconto, Oneida, Outagamie, Ozaukee, Pepin, Polk, Portage, Price, Racine, Richland, Rock, Rusk	$420,680
Pierce	$448,500
St. Croix, Sauk, Sawyer, Shawano, Sheboygan, Taylor, Trempealeau, Vernon, Vilas, Walworth	$420,680
Washburn, Washington, Waukesha, Waupaca, Waushara, Winnebago, Wood	$420,680

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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, Sublette, Sweetwater, Uinta, Washakie, Weston	$420,680
Teton	$970,800
Sheridan	$489,900

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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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