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2026 Massachusetts loan limits by county
Massachusetts has 14 counties in the 2026 FHFA list. The highest one-unit conforming limit is $1,249,125 in Nantucket County; the state median is $897,650. 7 of 14 are above the $832,750 national baseline. 4 sit at the 2026 FHA floor of $541,287.
- 14Counties listed
- $1,249,125Highest 1-unit conformingNantucket County
- $897,650Median 1-unit conforming
- 4At FHA floorof 14
| County | Conforming 1-unit 2026 | Change vs 2025 | FHA 1-unit 2026 | Conforming 4-unit 2026 |
|---|---|---|---|---|
| Barnstable County | $832,750 | +$26,250 (+3.3%) | $828,000 | $1,601,750 |
| Berkshire County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Bristol County | $832,750 | +$26,250 (+3.3%) | $787,750 | $1,601,750 |
| Dukes County | $1,249,125 | +$39,375 (+3.3%) | $1,249,125 | $2,402,625 |
| Essex County | $962,550 | +$48,300 (+5.3%) | $962,550 | $1,851,100 |
| Franklin County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Hampden County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Hampshire County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Middlesex County | $962,550 | +$48,300 (+5.3%) | $962,550 | $1,851,100 |
| Nantucket County | $1,249,125 | +$39,375 (+3.3%) | $1,249,125 | $2,402,625 |
| Norfolk County | $962,550 | +$48,300 (+5.3%) | $962,550 | $1,851,100 |
| Plymouth County | $962,550 | +$48,300 (+5.3%) | $962,550 | $1,851,100 |
| Suffolk County | $962,550 | +$48,300 (+5.3%) | $962,550 | $1,851,100 |
| Worcester County | $832,750 | +$26,250 (+3.3%) | $545,100 | $1,601,750 |
Sources
- Federal Housing Finance Agency, 2026 Conforming Loan Limit Values, full county list (CSV), file dated November 24, 2025; announced November 25, 2025.
- FHFA 2025 county list (CSV), file dated September 15, 2025.
- U.S. Department of Housing and Urban Development, CY2026 FHA forward mortgage limits file, dated December 10, 2025; Mortgagee Letter 2025-23, December 11, 2025. Search tool: HUD FHA Mortgage Limits.
Figures are copied from the files above without modification. Program rules can change mid-year; confirm with your lender.