Maine Mortgage Guide 2026
Compare 2026 FHA and conforming loan limits across all 16 counties in Maine. FHA limits in this state range from $541,287 to $541,287, while conforming limits range from $832,750 to $832,750.
2026 Loan Limits by County in Maine
| # | County | FHA Limit (1-Unit) | Conforming Limit (1-Unit) | Median Home Value |
|---|---|---|---|---|
| 1 | Androscoggin County | $541,287 | $832,750 | $252,800 |
| 2 | Aroostook County | $541,287 | $832,750 | $149,700 |
| 3 | Cumberland County | $541,287 | $832,750 | $451,200 |
| 4 | Franklin County | $541,287 | $832,750 | $194,700 |
| 5 | Hancock County | $541,287 | $832,750 | $310,400 |
| 6 | Kennebec County | $541,287 | $832,750 | $238,200 |
| 7 | Knox County | $541,287 | $832,750 | $324,900 |
| 8 | Lincoln County | $541,287 | $832,750 | $332,700 |
| 9 | Oxford County | $541,287 | $832,750 | $217,300 |
| 10 | Penobscot County | $541,287 | $832,750 | $214,100 |
| 11 | Piscataquis County | $541,287 | $832,750 | $170,200 |
| 12 | Sagadahoc County | $541,287 | $832,750 | $333,300 |
| 13 | Somerset County | $541,287 | $832,750 | $166,900 |
| 14 | Waldo County | $541,287 | $832,750 | $257,700 |
| 15 | Washington County | $541,287 | $832,750 | $161,800 |
| 16 | York County | $541,287 | $832,750 | $395,700 |
About Maine's Mortgage Market
Maine has 16 counties, each with its own FHA and conforming loan limits for 2026. FHA limits in Maine range from $541,287 to $541,287 for a single-family home. Conforming limits range from $832,750 to $832,750.
Use our mortgage calculator to compute monthly payments using Maine-specific loan limits. Or explore a specific county above for detailed FHA vs conventional comparisons.
Frequently Asked Questions
What is the maximum FHA loan limit in Maine?
The highest 2026 FHA limit in Maine is $541,287 for a single-family home.
What is the maximum conforming loan limit in Maine?
The highest 2026 conforming loan limit in Maine is $832,750 for a single-family home. Loans above this threshold are considered "jumbo" and require stricter qualifications.
How many counties are in Maine?
Maine has 16 counties, each with its own loan limits published annually by FHFA and HUD.
Data Source: FHFA Conforming Loan Limits 2026, HUD FHA Forward Mortgage Limits 2026, U.S. Census Bureau ACS 5-Year Estimates. Public domain. This page is for informational purposes and does not constitute financial advice.