Michigan Mortgage Guide 2026
Compare 2026 FHA and conforming loan limits across all 83 counties in Michigan. 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 Michigan
| # | County | FHA Limit (1-Unit) | Conforming Limit (1-Unit) | Median Home Value |
|---|---|---|---|---|
| 1 | Alcona County | $541,287 | $832,750 | $162,800 |
| 2 | Alger County | $541,287 | $832,750 | $176,200 |
| 3 | Allegan County | $541,287 | $832,750 | $267,100 |
| 4 | Alpena County | $541,287 | $832,750 | $153,900 |
| 5 | Antrim County | $541,287 | $832,750 | $255,500 |
| 6 | Arenac County | $541,287 | $832,750 | $150,600 |
| 7 | Baraga County | $541,287 | $832,750 | $138,100 |
| 8 | Barry County | $541,287 | $832,750 | $264,100 |
| 9 | Bay County | $541,287 | $832,750 | $152,200 |
| 10 | Benzie County | $541,287 | $832,750 | $285,700 |
| 11 | Berrien County | $541,287 | $832,750 | $224,300 |
| 12 | Branch County | $541,287 | $832,750 | $162,500 |
| 13 | Calhoun County | $541,287 | $832,750 | $162,800 |
| 14 | Cass County | $541,287 | $832,750 | $218,000 |
| 15 | Charlevoix County | $541,287 | $832,750 | $276,800 |
| 16 | Cheboygan County | $541,287 | $832,750 | $192,500 |
| 17 | Chippewa County | $541,287 | $832,750 | $161,900 |
| 18 | Clare County | $541,287 | $832,750 | $133,800 |
| 19 | Clinton County | $541,287 | $832,750 | $259,500 |
| 20 | Crawford County | $541,287 | $832,750 | $163,000 |
| 21 | Delta County | $541,287 | $832,750 | $157,100 |
| 22 | Dickinson County | $541,287 | $832,750 | $153,300 |
| 23 | Eaton County | $541,287 | $832,750 | $216,900 |
| 24 | Emmet County | $541,287 | $832,750 | $315,700 |
| 25 | Genesee County | $541,287 | $832,750 | $182,400 |
| 26 | Gladwin County | $541,287 | $832,750 | $162,300 |
| 27 | Gogebic County | $541,287 | $832,750 | $107,200 |
| 28 | Grand Traverse County | $541,287 | $832,750 | $339,400 |
| 29 | Gratiot County | $541,287 | $832,750 | $147,500 |
| 30 | Hillsdale County | $541,287 | $832,750 | $176,100 |
| 31 | Houghton County | $541,287 | $832,750 | $159,900 |
| 32 | Huron County | $541,287 | $832,750 | $154,300 |
| 33 | Ingham County | $541,287 | $832,750 | $198,800 |
| 34 | Ionia County | $541,287 | $832,750 | $198,500 |
| 35 | Iosco County | $541,287 | $832,750 | $142,200 |
| 36 | Iron County | $541,287 | $832,750 | $109,100 |
| 37 | Isabella County | $541,287 | $832,750 | $170,400 |
| 38 | Jackson County | $541,287 | $832,750 | $193,700 |
| 39 | Kalamazoo County | $541,287 | $832,750 | $241,800 |
| 40 | Kalkaska County | $541,287 | $832,750 | $188,900 |
| 41 | Kent County | $541,287 | $832,750 | $289,900 |
| 42 | Keweenaw County | $541,287 | $832,750 | $169,800 |
| 43 | Lake County | $541,287 | $832,750 | $133,900 |
| 44 | Lapeer County | $541,287 | $832,750 | $239,000 |
| 45 | Leelanau County | $541,287 | $832,750 | $458,400 |
| 46 | Lenawee County | $541,287 | $832,750 | $196,800 |
| 47 | Livingston County | $541,287 | $832,750 | $356,800 |
| 48 | Luce County | $541,287 | $832,750 | $112,000 |
| 49 | Mackinac County | $541,287 | $832,750 | $174,500 |
| 50 | Macomb County | $541,287 | $832,750 | $243,900 |
| 51 | Manistee County | $541,287 | $832,750 | $182,200 |
| 52 | Marquette County | $541,287 | $832,750 | $216,500 |
| 53 | Mason County | $541,287 | $832,750 | $219,600 |
| 54 | Mecosta County | $541,287 | $832,750 | $178,900 |
| 55 | Menominee County | $541,287 | $832,750 | $151,800 |
| 56 | Midland County | $541,287 | $832,750 | $195,400 |
| 57 | Missaukee County | $541,287 | $832,750 | $170,400 |
| 58 | Monroe County | $541,287 | $832,750 | $228,900 |
| 59 | Montcalm County | $541,287 | $832,750 | $185,500 |
| 60 | Montmorency County | $541,287 | $832,750 | $158,600 |
| 61 | Muskegon County | $541,287 | $832,750 | $198,300 |
| 62 | Newaygo County | $541,287 | $832,750 | $186,700 |
| 63 | Oakland County | $541,287 | $832,750 | $343,600 |
| 64 | Oceana County | $541,287 | $832,750 | $190,100 |
| 65 | Ogemaw County | $541,287 | $832,750 | $154,900 |
| 66 | Ontonagon County | $541,287 | $832,750 | $111,700 |
| 67 | Osceola County | $541,287 | $832,750 | $155,400 |
| 68 | Oscoda County | $541,287 | $832,750 | $125,500 |
| 69 | Otsego County | $541,287 | $832,750 | $219,700 |
| 70 | Ottawa County | $541,287 | $832,750 | $323,400 |
| 71 | Presque Isle County | $541,287 | $832,750 | $151,300 |
| 72 | Roscommon County | $541,287 | $832,750 | $158,700 |
| 73 | Saginaw County | $541,287 | $832,750 | $152,800 |
| 74 | Sanilac County | $541,287 | $832,750 | $168,300 |
| 75 | Schoolcraft County | $541,287 | $832,750 | $141,800 |
| 76 | Shiawassee County | $541,287 | $832,750 | $171,600 |
| 77 | St. Clair County | $541,287 | $832,750 | $224,600 |
| 78 | St. Joseph County | $541,287 | $832,750 | $178,300 |
| 79 | Tuscola County | $541,287 | $832,750 | $149,500 |
| 80 | Van Buren County | $541,287 | $832,750 | $206,500 |
| 81 | Washtenaw County | $541,287 | $832,750 | $374,100 |
| 82 | Wayne County | $541,287 | $832,750 | $178,500 |
| 83 | Wexford County | $541,287 | $832,750 | $170,400 |
About Michigan's Mortgage Market
Michigan has 83 counties, each with its own FHA and conforming loan limits for 2026. FHA limits in Michigan 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 Michigan-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 Michigan?
The highest 2026 FHA limit in Michigan is $541,287 for a single-family home.
What is the maximum conforming loan limit in Michigan?
The highest 2026 conforming loan limit in Michigan is $832,750 for a single-family home. Loans above this threshold are considered "jumbo" and require stricter qualifications.
How many counties are in Michigan?
Michigan has 83 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.