State hub
2026 Puerto Rico loan limits by county
Puerto Rico has 78 county-level areas in the 2026 FHFA list. The highest one-unit conforming limit is $832,750 in Yauco Municipio; the state median is $832,750. 0 of 78 are above the $832,750 national baseline. 38 sit at the 2026 FHA floor of $541,287.
- 78Counties listed
- $832,750Highest 1-unit conformingYauco Municipio
- $832,750Median 1-unit conforming
- 38At FHA floorof 78
| County | Conforming 1-unit 2026 | Change vs 2025 | FHA 1-unit 2026 | Conforming 4-unit 2026 |
|---|---|---|---|---|
| Adjuntas Municipio | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Aguada Municipio | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Aguadilla Municipio | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Aguas Buenas Municipio | $832,750 | +$26,250 (+3.3%) | $690,000 | $1,601,750 |
| Aibonito Municipio | $832,750 | +$26,250 (+3.3%) | $690,000 | $1,601,750 |
| Arecibo Municipio | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Arroyo Municipio | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Añasco Municipio | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Barceloneta Municipio | $832,750 | +$26,250 (+3.3%) | $690,000 | $1,601,750 |
| Barranquitas Municipio | $832,750 | +$26,250 (+3.3%) | $690,000 | $1,601,750 |
| Bayamón Municipio | $832,750 | +$26,250 (+3.3%) | $690,000 | $1,601,750 |
| Cabo Rojo Municipio | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Caguas Municipio | $832,750 | +$26,250 (+3.3%) | $690,000 | $1,601,750 |
| Camuy Municipio | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Canóvanas Municipio | $832,750 | +$26,250 (+3.3%) | $690,000 | $1,601,750 |
| Carolina Municipio | $832,750 | +$26,250 (+3.3%) | $690,000 | $1,601,750 |
| Cataño Municipio | $832,750 | +$26,250 (+3.3%) | $690,000 | $1,601,750 |
| Cayey Municipio | $832,750 | +$26,250 (+3.3%) | $690,000 | $1,601,750 |
| Ceiba Municipio | $832,750 | +$26,250 (+3.3%) | $690,000 | $1,601,750 |
| Ciales Municipio | $832,750 | +$26,250 (+3.3%) | $690,000 | $1,601,750 |
| Cidra Municipio | $832,750 | +$26,250 (+3.3%) | $690,000 | $1,601,750 |
| Coamo Municipio | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| ComerÃo Municipio | $832,750 | +$26,250 (+3.3%) | $690,000 | $1,601,750 |
| Corozal Municipio | $832,750 | +$26,250 (+3.3%) | $690,000 | $1,601,750 |
| Culebra Municipio | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Dorado Municipio | $832,750 | +$26,250 (+3.3%) | $690,000 | $1,601,750 |
| Fajardo Municipio | $832,750 | +$26,250 (+3.3%) | $690,000 | $1,601,750 |
| Florida Municipio | $832,750 | +$26,250 (+3.3%) | $690,000 | $1,601,750 |
| Guayama Municipio | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Guayanilla Municipio | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Guaynabo Municipio | $832,750 | +$26,250 (+3.3%) | $690,000 | $1,601,750 |
| Gurabo Municipio | $832,750 | +$26,250 (+3.3%) | $690,000 | $1,601,750 |
| Guánica Municipio | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Hatillo Municipio | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Hormigueros Municipio | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Humacao Municipio | $832,750 | +$26,250 (+3.3%) | $690,000 | $1,601,750 |
| Isabela Municipio | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Jayuya Municipio | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Juana DÃaz Municipio | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Juncos Municipio | $832,750 | +$26,250 (+3.3%) | $690,000 | $1,601,750 |
| Lajas Municipio | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lares Municipio | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Las MarÃas Municipio | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Las Piedras Municipio | $832,750 | +$26,250 (+3.3%) | $690,000 | $1,601,750 |
| LoÃza Municipio | $832,750 | +$26,250 (+3.3%) | $690,000 | $1,601,750 |
| Luquillo Municipio | $832,750 | +$26,250 (+3.3%) | $690,000 | $1,601,750 |
| Manatà Municipio | $832,750 | +$26,250 (+3.3%) | $690,000 | $1,601,750 |
| Maricao Municipio | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Maunabo Municipio | $832,750 | +$26,250 (+3.3%) | $690,000 | $1,601,750 |
| Mayagüez Municipio | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Moca Municipio | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Morovis Municipio | $832,750 | +$26,250 (+3.3%) | $690,000 | $1,601,750 |
| Naguabo Municipio | $832,750 | +$26,250 (+3.3%) | $690,000 | $1,601,750 |
| Naranjito Municipio | $832,750 | +$26,250 (+3.3%) | $690,000 | $1,601,750 |
| Orocovis Municipio | $832,750 | +$26,250 (+3.3%) | $690,000 | $1,601,750 |
| Patillas Municipio | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Peñuelas Municipio | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Ponce Municipio | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Quebradillas Municipio | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Rincón Municipio | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| RÃo Grande Municipio | $832,750 | +$26,250 (+3.3%) | $690,000 | $1,601,750 |
| Sabana Grande Municipio | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Salinas Municipio | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| San Germán Municipio | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| San Juan Municipio | $832,750 | +$26,250 (+3.3%) | $690,000 | $1,601,750 |
| San Lorenzo Municipio | $832,750 | +$26,250 (+3.3%) | $690,000 | $1,601,750 |
| San Sebastián Municipio | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Santa Isabel Municipio | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Toa Alta Municipio | $832,750 | +$26,250 (+3.3%) | $690,000 | $1,601,750 |
| Toa Baja Municipio | $832,750 | +$26,250 (+3.3%) | $690,000 | $1,601,750 |
| Trujillo Alto Municipio | $832,750 | +$26,250 (+3.3%) | $690,000 | $1,601,750 |
| Utuado Municipio | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Vega Alta Municipio | $832,750 | +$26,250 (+3.3%) | $690,000 | $1,601,750 |
| Vega Baja Municipio | $832,750 | +$26,250 (+3.3%) | $690,000 | $1,601,750 |
| Vieques Municipio | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Villalba Municipio | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Yabucoa Municipio | $832,750 | +$26,250 (+3.3%) | $690,000 | $1,601,750 |
| Yauco Municipio | $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.