State hub
2026 Vermont loan limits by county
Vermont has 14 counties in the 2026 FHFA list. The highest one-unit conforming limit is $832,750 in Windsor County; the state median is $832,750. 0 of 14 are above the $832,750 national baseline. 11 sit at the 2026 FHA floor of $541,287.
- 14Counties listed
- $832,750Highest 1-unit conformingWindsor County
- $832,750Median 1-unit conforming
- 11At FHA floorof 14
| County | Conforming 1-unit 2026 | Change vs 2025 | FHA 1-unit 2026 | Conforming 4-unit 2026 |
|---|---|---|---|---|
| Addison County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Bennington County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Caledonia County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Chittenden County | $832,750 | +$26,250 (+3.3%) | $575,000 | $1,601,750 |
| Essex County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Franklin County | $832,750 | +$26,250 (+3.3%) | $575,000 | $1,601,750 |
| Grand Isle County | $832,750 | +$26,250 (+3.3%) | $575,000 | $1,601,750 |
| Lamoille County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Orange County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Orleans County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Rutland County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Washington County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Windham County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Windsor 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.