Massachusetts Mortgage Guide 2026
Compare 2026 FHA and conforming loan limits across all 14 counties in Massachusetts. FHA limits in this state range from $541,287 to $811,931, while conforming limits range from $832,750 to $1,249,125.
2026 Loan Limits by County in Massachusetts
| # | County | FHA Limit (1-Unit) | Conforming Limit (1-Unit) | Median Home Value |
|---|---|---|---|---|
| 1 | Barnstable County | $541,287 | $832,750 | $629,000 |
| 2 | Berkshire County | $541,287 | $832,750 | $305,400 |
| 3 | Bristol County | $541,287 | $832,750 | $451,200 |
| 4 | Dukes County | $811,931 | $1,249,125 | $1,165,800 |
| 5 | Essex County | $625,657 | $962,550 | $619,100 |
| 6 | Franklin County | $541,287 | $832,750 | $329,000 |
| 7 | Hampden County | $541,287 | $832,750 | $298,800 |
| 8 | Hampshire County | $541,287 | $832,750 | $390,300 |
| 9 | Middlesex County | $625,657 | $962,550 | $727,800 |
| 10 | Nantucket County | $811,931 | $1,249,125 | $1,593,800 |
| 11 | Norfolk County | $625,657 | $962,550 | $683,900 |
| 12 | Plymouth County | $625,657 | $962,550 | $556,000 |
| 13 | Suffolk County | $625,657 | $962,550 | $705,800 |
| 14 | Worcester County | $541,287 | $832,750 | $423,700 |
About Massachusetts's Mortgage Market
Massachusetts has 14 counties, each with its own FHA and conforming loan limits for 2026. FHA limits in Massachusetts range from $541,287 to $811,931 for a single-family home. Conforming limits range from $832,750 to $1,249,125.
Use our mortgage calculator to compute monthly payments using Massachusetts-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 Massachusetts?
The highest 2026 FHA limit in Massachusetts is $811,931 for a single-family home.
What is the maximum conforming loan limit in Massachusetts?
The highest 2026 conforming loan limit in Massachusetts is $1,249,125 for a single-family home. Loans above this threshold are considered "jumbo" and require stricter qualifications.
How many counties are in Massachusetts?
Massachusetts has 14 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.