New Mexico Mortgage Guide 2026
Compare 2026 FHA and conforming loan limits across all 33 counties in New Mexico. 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 New Mexico
| # | County | FHA Limit (1-Unit) | Conforming Limit (1-Unit) | Median Home Value |
|---|---|---|---|---|
| 1 | Bernalillo County | $541,287 | $832,750 | $292,900 |
| 2 | Catron County | $541,287 | $832,750 | $167,000 |
| 3 | Chaves County | $541,287 | $832,750 | $156,400 |
| 4 | Cibola County | $541,287 | $832,750 | $125,400 |
| 5 | Colfax County | $541,287 | $832,750 | $167,200 |
| 6 | Curry County | $541,287 | $832,750 | $171,200 |
| 7 | De Baca County | $541,287 | $832,750 | $187,500 |
| 8 | Doña Ana County | $541,287 | $832,750 | $220,800 |
| 9 | Eddy County | $541,287 | $832,750 | $212,600 |
| 10 | Grant County | $541,287 | $832,750 | $175,600 |
| 11 | Guadalupe County | $541,287 | $832,750 | $110,000 |
| 12 | Harding County | $541,287 | $832,750 | $70,000 |
| 13 | Hidalgo County | $541,287 | $832,750 | $111,000 |
| 14 | Lea County | $541,287 | $832,750 | $184,000 |
| 15 | Lincoln County | $541,287 | $832,750 | $233,200 |
| 16 | Los Alamos County | $541,287 | $832,750 | $495,800 |
| 17 | Luna County | $541,287 | $832,750 | $128,000 |
| 18 | McKinley County | $541,287 | $832,750 | $78,700 |
| 19 | Mora County | $541,287 | $832,750 | $122,600 |
| 20 | Otero County | $541,287 | $832,750 | $162,700 |
| 21 | Quay County | $541,287 | $832,750 | $87,200 |
| 22 | Rio Arriba County | $541,287 | $832,750 | $243,700 |
| 23 | Roosevelt County | $541,287 | $832,750 | $135,800 |
| 24 | San Juan County | $541,287 | $832,750 | $193,800 |
| 25 | San Miguel County | $541,287 | $832,750 | $188,500 |
| 26 | Sandoval County | $541,287 | $832,750 | $313,800 |
| 27 | Santa Fe County | $541,287 | $832,750 | $446,300 |
| 28 | Sierra County | $541,287 | $832,750 | $152,600 |
| 29 | Socorro County | $541,287 | $832,750 | $137,500 |
| 30 | Taos County | $541,287 | $832,750 | $382,800 |
| 31 | Torrance County | $541,287 | $832,750 | $159,700 |
| 32 | Union County | $541,287 | $832,750 | $122,700 |
| 33 | Valencia County | $541,287 | $832,750 | $223,000 |
About New Mexico's Mortgage Market
New Mexico has 33 counties, each with its own FHA and conforming loan limits for 2026. FHA limits in New Mexico 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 New Mexico-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 New Mexico?
The highest 2026 FHA limit in New Mexico is $541,287 for a single-family home.
What is the maximum conforming loan limit in New Mexico?
The highest 2026 conforming loan limit in New Mexico is $832,750 for a single-family home. Loans above this threshold are considered "jumbo" and require stricter qualifications.
How many counties are in New Mexico?
New Mexico has 33 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.