The Federal Housing Finance Agency announced the conforming loan limit values for mortgages that Fannie Mae and Freddie Mac will acquire in 2026. In most of the United States, the 2026 conforming loan limit for one-unit properties will be $832,750, which is an increase of $26,250 from 2025.
The baseline conforming loan limit for 2026 will increase by the same percentage as the average U.S. home price increase reported in the third quarter 2025 FHFA House Price Index report. According to that report, house prices increased by an average of 3.26 percent between the third quarters of 2024 and 2025.
For high-cost areas where 115 percent of the local median home value exceeds the baseline conforming loan limit, the applicable loan limit will be higher. The new ceiling loan limit for one-unit properties in these areas will be $1,249,125, which is 150 percent of the baseline limit. Due to rising home values, conforming loan limits will be higher in all but 32 U.S. counties or county equivalents.
Special statutory provisions establish different loan limits for Alaska, Hawaii, Guam, and the U.S. Virgin Islands. In these areas, the baseline loan limit for one-unit properties will be $1,249,125, while the ceiling loan limit will be $1,873,675.
The Housing and Economic Recovery Act requires the FHFA to adjust the baseline conforming loan limit value each year to reflect changes in the average U.S. home price. The FHFA regulates Fannie Mae, Freddie Mac, and the 11 Federal Home Loan Banks, which provide more than $8.5 trillion in funding for U.S. mortgage markets and financial institutions.
Questions regarding the 2026 conforming loan limit values may be addressed to LoanLimitQuestions@fhfa.gov. Additional information and a list of 2026 conforming loan limits for all counties can be found at https://www.fhfa.gov/CLL.
