Massachusetts · 2026
Massachusetts 2026 FHA and conforming loan limits
For a one-unit home in Massachusetts, the 2026 conforming limit is $832,750 to $1,249,125 and the FHA limit is $541,287 to $1,249,125. FHA limits rose in 14 of 14 counties from 2025.
| County | Conforming 1 unit | Conforming 2 units | FHA 1 unit | FHA 2 units | FHA 3 units | FHA 4 units | FHA vs 2025 |
|---|---|---|---|---|---|---|---|
| Barnstable County | $832,750 | $1,066,250 | $828,000 | $1,060,000 | $1,281,300 | $1,592,350 | +$28,750 |
| Berkshire County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Bristol County | $832,750 | $1,066,250 | $787,750 | $1,008,450 | $1,219,000 | $1,514,950 | +$51,750 |
| Dukes County | $1,249,125 | $1,599,375 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 |
| Essex County | $962,550 | $1,232,250 | $962,550 | $1,232,250 | $1,489,500 | $1,851,100 | +$48,300 |
| Franklin County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Hampden County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Hampshire County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Middlesex County | $962,550 | $1,232,250 | $962,550 | $1,232,250 | $1,489,500 | $1,851,100 | +$48,300 |
| Nantucket County | $1,249,125 | $1,599,375 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 |
| Norfolk County | $962,550 | $1,232,250 | $962,550 | $1,232,250 | $1,489,500 | $1,851,100 | +$48,300 |
| Plymouth County | $962,550 | $1,232,250 | $962,550 | $1,232,250 | $1,489,500 | $1,851,100 | +$48,300 |
| Suffolk County | $962,550 | $1,232,250 | $962,550 | $1,232,250 | $1,489,500 | $1,851,100 | +$48,300 |
| Worcester County | $832,750 | $1,066,250 | $545,100 | $697,800 | $843,500 | $1,048,300 | +$20,875 |
Conforming limits: FHFA (2026). FHA forward-mortgage limits: HUD (2026 case numbers). Each county page adds 2025 mortgage activity.
Counts: 14 counties and county-equivalents.