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2026 New Mexico loan limits by county
New Mexico has 33 counties in the 2026 FHFA list. The highest one-unit conforming limit is $832,750 in Valencia County; the state median is $832,750. 0 of 33 are above the $832,750 national baseline. 31 sit at the 2026 FHA floor of $541,287.
- 33Counties listed
- $832,750Highest 1-unit conformingValencia County
- $832,750Median 1-unit conforming
- 31At FHA floorof 33
| County | Conforming 1-unit 2026 | Change vs 2025 | FHA 1-unit 2026 | Conforming 4-unit 2026 |
|---|---|---|---|---|
| Bernalillo County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Catron County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Chaves County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Cibola County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Colfax County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Curry County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| De Baca County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Doña Ana County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Eddy County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Grant County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Guadalupe County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Harding County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Hidalgo County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lea County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lincoln County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Los Alamos County | $832,750 | +$26,250 (+3.3%) | $692,300 | $1,601,750 |
| Luna County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| McKinley County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Mora County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Otero County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Quay County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Rio Arriba County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Roosevelt County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| San Juan County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| San Miguel County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Sandoval County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Santa Fe County | $832,750 | +$26,250 (+3.3%) | $569,250 | $1,601,750 |
| Sierra County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Socorro County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Taos County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Torrance County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Union County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Valencia County | $832,750 | +$26,250 (+3.3%) | $541,287 | $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.