Highest Loan Limit Counties in the U.S.
These counties have the highest 2026 conforming loan limits in the country. Buyers can finance larger amounts with conventional loans before hitting jumbo territory.
| # | County | Median Home | FHA Limit | Conf. Limit | 3.5% Down |
|---|---|---|---|---|---|
| 1 | Maui County, HI | $904,700 | $844,675 | $1,299,500 | $31,664 |
| 2 | Aleutians West Census Area, AK | $434,700 | $811,931 | $1,249,125 | $15,214 |
| 3 | Bristol Bay Borough, AK | $245,800 | $811,931 | $1,249,125 | $8,603 |
| 4 | Kodiak Island Borough, AK | $412,300 | $811,931 | $1,249,125 | $14,430 |
| 5 | Northwest Arctic Borough, AK | $199,100 | $811,931 | $1,249,125 | $6,968 |
| 6 | Bethel Census Area, AK | $168,100 | $811,931 | $1,249,125 | $5,883 |
| 7 | North Slope Borough, AK | $218,300 | $811,931 | $1,249,125 | $7,640 |
| 8 | Sitka City and Borough, AK | $450,300 | $811,931 | $1,249,125 | $15,760 |
| 9 | Fairbanks North Star Borough, AK | $298,200 | $811,931 | $1,249,125 | $10,437 |
| 10 | Ketchikan Gateway Borough, AK | $393,300 | $811,931 | $1,249,125 | $13,765 |
| 11 | Matanuska-Susitna Borough, AK | $346,600 | $811,931 | $1,249,125 | $12,131 |
| 12 | Nome Census Area, AK | $211,200 | $811,931 | $1,249,125 | $7,392 |
| 13 | Dillingham Census Area, AK | $159,000 | $811,931 | $1,249,125 | $5,565 |
| 14 | Haines Borough, AK | $293,300 | $811,931 | $1,249,125 | $10,265 |
| 15 | Yakutat City and Borough, AK | $219,400 | $811,931 | $1,249,125 | $7,679 |
| 16 | Juneau City and Borough, AK | $449,300 | $811,931 | $1,249,125 | $15,725 |
| 17 | Lake and Peninsula Borough, AK | $237,500 | $811,931 | $1,249,125 | $8,312 |
| 18 | Southeast Fairbanks Census Area, AK | $282,000 | $811,931 | $1,249,125 | $9,870 |
| 19 | Yukon-Koyukuk Census Area, AK | $98,500 | $811,931 | $1,249,125 | $3,447 |
| 20 | Anchorage Municipality, AK | $395,900 | $811,931 | $1,249,125 | $13,856 |
| 21 | Aleutians East Borough, AK | $135,500 | $811,931 | $1,249,125 | $4,742 |
| 22 | Denali Borough, AK | $275,000 | $811,931 | $1,249,125 | $9,625 |
| 23 | Kenai Peninsula Borough, AK | $323,200 | $811,931 | $1,249,125 | $11,312 |
| 24 | Hoonah-Angoon Census Area, AK | $262,800 | $811,931 | $1,249,125 | $9,198 |
| 25 | Skagway Municipality, AK | $435,400 | $811,931 | $1,249,125 | $15,239 |
| 26 | Prince of Wales-Hyder Census Area, AK | $225,300 | $811,931 | $1,249,125 | $7,885 |
| 27 | Wrangell City and Borough, AK | $296,400 | $811,931 | $1,249,125 | $10,374 |
| 28 | Petersburg Borough, AK | $315,100 | $811,931 | $1,249,125 | $11,028 |
| 29 | Kusilvak Census Area, AK | $84,300 | $811,931 | $1,249,125 | $2,950 |
| 30 | Contra Costa County, CA | $866,800 | $811,931 | $1,249,125 | $30,338 |
| 31 | San Benito County, CA | $793,400 | $811,931 | $1,249,125 | $27,769 |
| 32 | Alameda County, CA | $1,090,100 | $811,931 | $1,249,125 | $38,153 |
| 33 | San Francisco County, CA | $1,394,500 | $811,931 | $1,249,125 | $48,807 |
| 34 | Santa Cruz County, CA | $1,027,500 | $811,931 | $1,249,125 | $35,962 |
| 35 | Los Angeles County, CA | $834,200 | $811,931 | $1,249,125 | $29,197 |
| 36 | Santa Clara County, CA | $1,490,600 | $811,931 | $1,249,125 | $52,171 |
| 37 | Marin County, CA | $1,507,300 | $811,931 | $1,249,125 | $52,755 |
| 38 | Orange County, CA | $962,600 | $811,931 | $1,249,125 | $33,691 |
| 39 | San Mateo County, CA | $1,559,600 | $811,931 | $1,249,125 | $54,586 |
| 40 | Eagle County, CO | $839,500 | $811,931 | $1,249,125 | $29,382 |
| 41 | District of Columbia, DC | $737,100 | $811,931 | $1,249,125 | $25,798 |
| 42 | Hawaii County, HI | $519,300 | $811,931 | $1,249,125 | $18,175 |
| 43 | Honolulu County, HI | $897,500 | $811,931 | $1,249,125 | $31,412 |
| 44 | Kauai County, HI | $873,200 | $811,931 | $1,249,125 | $30,562 |
| 45 | Teton County, ID | $690,500 | $811,931 | $1,249,125 | $24,167 |
| 46 | Prince George's County, MD | $426,000 | $811,931 | $1,249,125 | $14,910 |
| 47 | Frederick County, MD | $464,600 | $811,931 | $1,249,125 | $16,261 |
| 48 | Montgomery County, MD | $640,300 | $811,931 | $1,249,125 | $22,410 |
| 49 | Charles County, MD | $428,500 | $811,931 | $1,249,125 | $14,997 |
| 50 | Dukes County, MA | $1,165,800 | $811,931 | $1,249,125 | $40,803 |
| 51 | Nantucket County, MA | $1,593,800 | $811,931 | $1,249,125 | $55,783 |
| 52 | Spotsylvania County, VA | $404,900 | $811,931 | $1,249,125 | $14,171 |
| 53 | Clarke County, VA | $550,100 | $811,931 | $1,249,125 | $19,253 |
| 54 | Loudoun County, VA | $743,800 | $811,931 | $1,249,125 | $26,033 |
| 55 | Prince William County, VA | $530,100 | $811,931 | $1,249,125 | $18,553 |
| 56 | Fauquier County, VA | $573,700 | $811,931 | $1,249,125 | $20,079 |
| 57 | Rappahannock County, VA | $506,400 | $811,931 | $1,249,125 | $17,724 |
| 58 | Culpeper County, VA | $409,200 | $811,931 | $1,249,125 | $14,322 |
| 59 | Warren County, VA | $348,400 | $811,931 | $1,249,125 | $12,194 |
| 60 | Alexandria city, VA | $735,100 | $811,931 | $1,249,125 | $25,728 |
| 61 | Fredericksburg city, VA | $483,700 | $811,931 | $1,249,125 | $16,929 |
| 62 | Arlington County, VA | $895,000 | $811,931 | $1,249,125 | $31,325 |
| 63 | Stafford County, VA | $485,100 | $811,931 | $1,249,125 | $16,978 |
| 64 | Falls Church city, VA | $1,055,600 | $811,931 | $1,249,125 | $36,946 |
| 65 | Manassas Park city, VA | $395,900 | $811,931 | $1,249,125 | $13,856 |
| 66 | Fairfax city, VA | $722,600 | $811,931 | $1,249,125 | $25,291 |
| 67 | Manassas city, VA | $449,900 | $811,931 | $1,249,125 | $15,746 |
| 68 | Fairfax County, VA | $732,800 | $811,931 | $1,249,125 | $25,648 |
| 69 | Jefferson County, WV | $350,800 | $811,931 | $1,249,125 | $12,278 |
| 70 | Teton County, WY | $1,633,900 | $811,931 | $1,249,125 | $57,186 |
| 71 | Chugach Census Area, AK | $346,200 | $811,931 | $1,249,125 | $12,117 |
| 72 | Copper River Census Area, AK | $292,800 | $811,931 | $1,249,125 | $10,248 |
| 73 | Garfield County, CO | $527,800 | $786,337 | $1,209,750 | $18,473 |
| 74 | Pitkin County, CO | $1,139,100 | $786,337 | $1,209,750 | $39,868 |
| 75 | Calvert County, MD | $460,200 | $786,337 | $1,209,750 | $16,107 |
| 76 | Monmouth County, NJ | $606,100 | $786,337 | $1,209,750 | $21,213 |
| 77 | Sussex County, NJ | $369,400 | $786,337 | $1,209,750 | $12,929 |
| 78 | Somerset County, NJ | $552,100 | $786,337 | $1,209,750 | $19,323 |
| 79 | Essex County, NJ | $524,100 | $786,337 | $1,209,750 | $18,343 |
| 80 | Ocean County, NJ | $398,400 | $786,337 | $1,209,750 | $13,944 |
| 81 | Middlesex County, NJ | $462,900 | $786,337 | $1,209,750 | $16,201 |
| 82 | Passaic County, NJ | $459,500 | $786,337 | $1,209,750 | $16,082 |
| 83 | Bergen County, NJ | $623,000 | $786,337 | $1,209,750 | $21,805 |
| 84 | Union County, NJ | $529,200 | $786,337 | $1,209,750 | $18,522 |
| 85 | Hudson County, NJ | $539,700 | $786,337 | $1,209,750 | $18,889 |
| 86 | Hunterdon County, NJ | $517,200 | $786,337 | $1,209,750 | $18,102 |
| 87 | Morris County, NJ | $582,500 | $786,337 | $1,209,750 | $20,387 |
| 88 | Bronx County, NY | $529,500 | $786,337 | $1,209,750 | $18,532 |
| 89 | Putnam County, NY | $471,300 | $786,337 | $1,209,750 | $16,495 |
| 90 | Queens County, NY | $723,800 | $786,337 | $1,209,750 | $25,333 |
| 91 | Kings County, NY | $905,000 | $786,337 | $1,209,750 | $31,675 |
| 92 | New York County, NY | $1,090,500 | $786,337 | $1,209,750 | $38,167 |
| 93 | Rockland County, NY | $596,900 | $786,337 | $1,209,750 | $20,891 |
| 94 | Westchester County, NY | $663,200 | $786,337 | $1,209,750 | $23,212 |
| 95 | Nassau County, NY | $684,700 | $786,337 | $1,209,750 | $23,964 |
| 96 | Richmond County, NY | $675,500 | $786,337 | $1,209,750 | $23,642 |
| 97 | Suffolk County, NY | $578,400 | $786,337 | $1,209,750 | $20,244 |
| 98 | Pike County, PA | $272,600 | $786,337 | $1,209,750 | $9,541 |
| 99 | Madison County, VA | $370,300 | $786,337 | $1,209,750 | $12,960 |
| 100 | Summit County, UT | $1,067,700 | $747,500 | $1,150,000 | $37,369 |
Methodology: Rankings are editorial, based on 2026 FHA and conforming loan limits (HUD, FHFA) combined with U.S. Census ACS 5-Year Estimates for median home values and household income. These rankings are not investment advice or lending recommendations.
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