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FHA Loan Limit Calculator

Enter your city and state below to find the FHA Loan limit amount for your area. You can also get up-to-date information about changing FHA Loan limits.

FHA Loan Limits start at $314,827, but in high-cost areas the limit can be as high as $726,525.

State FHA Loan Limits by County

  • Alabama FHA Loan Limits by County
    • Hale $331,200
    • Pickens $331,200
    • Tuscaloosa $331,200
    • All other areas $314,827
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  • Alaska FHA Loan Limits by County
    • Aleutians West $385,250
    • Anchorage $401,350
    • Juneau $455,400
    • Ketchikan Gateway $369,150
    • Kodiak Island $407,100
    • Matanuska Susitna $401,350
    • Nome $391,000
    • North Slope $332,350
    • Petersburg $332,350
    • Sitka $486,450
    • Skagway $415,150
    • Wrangell $332,350
    • Yakutat $420,900
    • All other areas $314,827
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  • Arizona FHA Loan Limits by County
    • Coconino $362,250
    • All other areas $314,827
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  • California FHA Loan Limits by County
    • Alameda $726,525
    • Alpine $463,450
    • Amador $350,750
    • Calaveras $373,750
    • Contra Costa $726,525
    • El Dorado $552,000
    • Humboldt $333,500
    • Inyo $369,150
    • Los Angeles $726,525
    • Marin $726,525
    • Mariposa $322,000
    • Mendocino $409,400
    • Mono $529,000
    • Monterey $652,050
    • Napa $726,525
    • Nevada $486,450
    • Orange $726,525
    • Placer $552,000
    • Plumas $336,950
    • Riverside $431,250
    • Sacramento $552,000
    • San Benito $726,525
    • San Bernardino $431,250
    • San Diego $690,000
    • San Francisco $726,525
    • San Joaquin $425,500
    • San Luis Obispo $667,000
    • San Mateo $726,525
    • Santa Barbara $653,200
    • Santa Clara $726,525
    • Santa Cruz $726,525
    • Solano $494,500
    • Sonoma $704,950
    • Stanislaus $350,750
    • Sutter $324,300
    • Tuolumne $331,200
    • Ventura $713,000
    • Yolo $552,000
    • Yuba $324,300
    • All other areas $314,827
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  • Colorado FHA Loan Limits by County
    • Adams $561,200
    • Arapahoe $561,200
    • Boulder $626,750
    • Broomfield $561,200
    • Chaffee $333,500
    • Clear Creek $561,200
    • Denver $561,200
    • Douglas $561,200
    • Eagle $726,525
    • Elbert $561,200
    • El Paso $339,250
    • Garfield $726,525
    • Gilpin $561,200
    • Grand $402,500
    • Gunnison $357,650
    • Hinsdale $427,800
    • Jefferson $561,200
    • La Plata $419,750
    • Larimer $437,000
    • Ouray $425,500
    • Park $561,200
    • Pitkin $726,525
    • Routt $634,800
    • San Miguel $726,525
    • Summit $722,200
    • Teller $339,250
    • Weld $385,250
    • All other areas $314,827
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  • Connecticut FHA Loan Limits by County
    • Fairfield $601,450
    • Hartford $353,050
    • Litchfield $357,650
    • Middlesex $353,050
    • Tolland $353,050
    • Windham $327,750
    • All other areas $314,827
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  • District Of Columbia FHA Loan Limits by County
    • District Of Columbia $726,525
    • All other areas $314,827
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  • Delaware FHA Loan Limits by County
    • New Castle $402,500
    • Sussex $336,950
    • All other areas $314,827
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  • Florida FHA Loan Limits by County
    • Baker $358,800
    • Broward $356,500
    • Clay $358,800
    • Collier $450,800
    • Duval $358,800
    • Manatee $320,850
    • Martin $327,750
    • Miami-dade $356,500
    • Monroe $529,000
    • Nassau $358,800
    • Okaloosa $370,300
    • Palm Beach $356,500
    • St. Johns $358,800
    • St. Lucie $327,750
    • Sarasota $320,850
    • Walton $370,300
    • All other areas $314,827
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  • Georgia FHA Loan Limits by County
    • Barrow $379,500
    • Bartow $379,500
    • Butts $379,500
    • Carroll $379,500
    • Cherokee $379,500
    • Clarke $341,550
    • Clayton $379,500
    • Cobb $379,500
    • Coweta $379,500
    • Dawson $379,500
    • Dekalb $379,500
    • Douglas $379,500
    • Fayette $379,500
    • Forsyth $379,500
    • Fulton $379,500
    • Greene $515,200
    • Gwinnett $379,500
    • Haralson $379,500
    • Heard $379,500
    • Henry $379,500
    • Jasper $379,500
    • Lamar $379,500
    • Madison $341,550
    • Meriwether $379,500
    • Morgan $379,500
    • Newton $379,500
    • Oconee $341,550
    • Oglethorpe $341,550
    • Paulding $379,500
    • Pickens $379,500
    • Pike $379,500
    • Rockdale $379,500
    • Spalding $379,500
    • Walton $379,500
    • All other areas $314,827
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  • Guam FHA Loan Limits by County
    • Guam $563,500
    • All other areas $314,827
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  • Hawaii FHA Loan Limits by County
    • Hawaii $387,550
    • Honolulu $721,050
    • Kalawao $678,500
    • Kauai $713,000
    • Maui $678,500
    • All other areas $314,827
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  • Idaho FHA Loan Limits by County
    • Ada $331,200
    • Blaine $646,300
    • Boise $331,200
    • Camas $646,300
    • Canyon $331,200
    • Gem $331,200
    • Lincoln $646,300
    • Owyhee $331,200
    • Teton $726,525
    • All other areas $314,827
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  • Illinois FHA Loan Limits by County
    • Boone $339,250
    • Cook $368,000
    • Dekalb $368,000
    • Dupage $368,000
    • Grundy $368,000
    • Kane $368,000
    • Kendall $368,000
    • Lake $368,000
    • Mchenry $368,000
    • Will $368,000
    • Winnebago $339,250
    • All other areas $314,827
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  • Indiana FHA Loan Limits by County
    • Boone $343,850
    • Brown $343,850
    • Clark $316,250
    • Floyd $316,250
    • Hamilton $343,850
    • Hancock $343,850
    • Harrison $316,250
    • Hendricks $343,850
    • Jasper $368,000
    • Johnson $343,850
    • Lake $368,000
    • Madison $343,850
    • Marion $343,850
    • Morgan $343,850
    • Newton $368,000
    • Porter $368,000
    • Putnam $343,850
    • Scott $316,250
    • Shelby $343,850
    • Washington $316,250
    • All other areas $314,827
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  • Kansas FHA Loan Limits by County
    • Johnson $336,950
    • Leavenworth $336,950
    • Linn $336,950
    • Miami $336,950
    • Wyandotte $336,950
    • All other areas $314,827
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  • Kentucky FHA Loan Limits by County
    • Bullitt $316,250
    • Henry $316,250
    • Jefferson $316,250
    • Oldham $316,250
    • Shelby $316,250
    • Spencer $316,250
    • All other areas $314,827
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  • Louisiana FHA Loan Limits by County
    • All Areas $314,827
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  • Kentucky FHA Loan Limits by County
    • Trimble $316,250
    • All other areas $314,827
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  • Massachusetts FHA Loan Limits by County
    • Barnstable $458,850
    • Bristol $454,250
    • Dukes $726,525
    • Essex $688,850
    • Hampden $318,550
    • Hampshire $318,550
    • Middlesex $688,850
    • Nantucket $726,525
    • Norfolk $688,850
    • Plymouth $688,850
    • Suffolk $688,850
    • Worcester $327,750
    • All other areas $314,827
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  • Maryland FHA Loan Limits by County
    • Anne Arundel $517,500
    • Baltimore $517,500
    • Baltimore City $517,500
    • Calvert $726,525
    • Carroll $517,500
    • Cecil $402,500
    • Charles $726,525
    • Frederick $726,525
    • Harford $517,500
    • Howard $517,500
    • Montgomery $726,525
    • Prince George's $726,525
    • Queen Anne's $517,500
    • St. Mary's $347,300
    • Somerset $336,950
    • Talbot $382,950
    • Wicomico $336,950
    • Worcester $336,950
    • All other areas $314,827
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  • Maine FHA Loan Limits by County
    • Cumberland $351,900
    • Sagadahoc $351,900
    • York $351,900
    • All other areas $314,827
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  • Michigan FHA Loan Limits by County
    • Benzie $316,250
    • Grand Traverse $316,250
    • Kalkaska $316,250
    • Leelanau $316,250
    • All other areas $314,827
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  • Minnesota FHA Loan Limits by County
    • Anoka $366,850
    • Carver $366,850
    • Chisago $366,850
    • Dakota $366,850
    • Hennepin $366,850
    • Isanti $366,850
    • Le Sueur $366,850
    • Mille Lacs $366,850
    • Ramsey $366,850
    • Scott $366,850
    • Sherburne $366,850
    • Sibley $366,850
    • Washington $366,850
    • Wright $366,850
    • All other areas $314,827
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  • Missouri FHA Loan Limits by County
    • Bates $336,950
    • Caldwell $336,950
    • Cass $336,950
    • Clay $336,950
    • Clinton $336,950
    • Jackson $336,950
    • Lafayette $336,950
    • Platte $336,950
    • Ray $336,950
    • All other areas $314,827
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  • Montana FHA Loan Limits by County
    • Flathead $318,550
    • Gallatin $412,850
    • Jefferson $316,250
    • Lewis And Clark $316,250
    • Madison $325,450
    • Missoula $334,650
    • All other areas $314,827
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  • Nebraska FHA Loan Limits by County
    • Lincoln $433,550
    • Logan $433,550
    • Mcpherson $433,550
    • All other areas $314,827
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  • New Hampshire FHA Loan Limits by County
    • Hillsborough $322,000
    • Rockingham $688,850
    • Strafford $688,850
    • All other areas $314,827
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  • New Jersey FHA Loan Limits by County
    • Atlantic $316,250
    • Bergen $726,525
    • Burlington $402,500
    • Camden $402,500
    • Cape May $414,000
    • Essex $726,525
    • Gloucester $402,500
    • Hudson $726,525
    • Hunterdon $726,525
    • Mercer $345,000
    • Middlesex $726,525
    • Monmouth $726,525
    • Morris $726,525
    • Ocean $726,525
    • Passaic $726,525
    • Salem $402,500
    • Somerset $726,525
    • Sussex $726,525
    • Union $726,525
    • Warren $372,600
    • All other areas $314,827
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  • New Mexico FHA Loan Limits by County
    • Catron $401,350
    • Los Alamos $410,550
    • Santa Fe $368,000
    • All other areas $314,827
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  • Nevada FHA Loan Limits by County
    • Clark $322,000
    • Douglas $423,200
    • Storey $412,850
    • Washoe $412,850
    • Carson City $318,550
    • All other areas $314,827
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  • New York FHA Loan Limits by County
    • Albany $315,100
    • Bronx $726,525
    • Dutchess $726,525
    • Kings $726,525
    • Nassau $726,525
    • New York $726,525
    • Orange $726,525
    • Putnam $726,525
    • Queens $726,525
    • Rensselaer $315,100
    • Richmond $726,525
    • Rockland $726,525
    • Saratoga $315,100
    • Schenectady $315,100
    • Schoharie $315,100
    • Suffolk $726,525
    • Westchester $726,525
    • All other areas $314,827
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  • North Carolina FHA Loan Limits by County
    • Cabarrus $317,400
    • Camden $726,525
    • Chatham $403,650
    • Currituck $458,850
    • Dare $391,000
    • Durham $403,650
    • Franklin $339,250
    • Gaston $317,400
    • Gates $458,850
    • Hyde $483,000
    • Iredell $317,400
    • Johnston $339,250
    • Lincoln $317,400
    • Mecklenburg $317,400
    • Orange $403,650
    • Pasquotank $726,525
    • Perquimans $726,525
    • Person $403,650
    • Rowan $317,400
    • Tyrrell $391,000
    • Union $317,400
    • Wake $339,250
    • All other areas $314,827
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  • North Dakota FHA Loan Limits by County
    • Billings $339,250
    • Williams $330,050
    • All other areas $314,827
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  • Northern Mariana Islands FHA Loan Limits by County
    • Northern Island $524,400
    • Rota $410,550
    • Saipan $529,000
    • Tinian $532,450
    • All other areas $314,827
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  • Ohio FHA Loan Limits by County
    • Delaware $356,500
    • Fairfield $356,500
    • Franklin $356,500
    • Hocking $356,500
    • Licking $356,500
    • Madison $356,500
    • Morrow $356,500
    • Perry $356,500
    • Pickaway $356,500
    • Union $356,500
    • All other areas $314,827
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  • Oregon FHA Loan Limits by County
    • Benton $385,250
    • Clackamas $474,950
    • Clatsop $316,250
    • Columbia $474,950
    • Curry $327,750
    • Deschutes $409,400
    • Hood River $477,250
    • Jackson $320,850
    • Marion $322,000
    • Multnomah $474,950
    • Polk $322,000
    • Washington $474,950
    • Yamhill $474,950
    • All other areas $314,827
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  • Pennsylvania FHA Loan Limits by County
    • Bucks $402,500
    • Carbon $372,600
    • Chester $402,500
    • Delaware $402,500
    • Lehigh $372,600
    • Montgomery $402,500
    • Northampton $372,600
    • Philadelphia $402,500
    • Pike $726,525
    • All other areas $314,827
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  • Puerto Rico FHA Loan Limits by County
    • Aguas Buenas $385,250
    • Aibonito $385,250
    • Barceloneta $385,250
    • Barranquitas $385,250
    • Bayamon $385,250
    • Caguas $385,250
    • Canovanas $385,250
    • Carolina $385,250
    • Catano $385,250
    • Cayey $385,250
    • Ceiba $385,250
    • Ciales $385,250
    • Cidra $385,250
    • Comerio $385,250
    • Corozal $385,250
    • Dorado $385,250
    • Fajardo $385,250
    • Florida $385,250
    • Guaynabo $385,250
    • Gurabo $385,250
    • Humacao $385,250
    • Juncos $385,250
    • Las Piedras $385,250
    • Loiza $385,250
    • Luquillo $385,250
    • Manati $385,250
    • Maunabo $385,250
    • Morovis $385,250
    • Naguabo $385,250
    • Naranjito $385,250
    • Orocovis $385,250
    • Rio Grande $385,250
    • San Juan $385,250
    • San Lorenzo $385,250
    • Toa Alta $385,250
    • Toa Baja $385,250
    • Trujillo Alto $385,250
    • Vega Alta $385,250
    • Vega Baja $385,250
    • Yabucoa $385,250
    • All other areas $314,827
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  • Rhode Island FHA Loan Limits by County
    • Bristol $454,250
    • Kent $454,250
    • Newport $454,250
    • Providence $454,250
    • Washington $454,250
    • All other areas $314,827
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  • South Carolina FHA Loan Limits by County
    • Beaufort $350,750
    • Berkeley $388,700
    • Charleston $388,700
    • Chester $317,400
    • Dorchester $388,700
    • Georgetown $327,750
    • Jasper $350,750
    • Lancaster $317,400
    • York $317,400
    • All other areas $314,827
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  • Tennessee FHA Loan Limits by County
    • Cannon $534,750
    • Cheatham $534,750
    • Davidson $534,750
    • Dickson $534,750
    • Hickman $534,750
    • Macon $534,750
    • Maury $534,750
    • Robertson $534,750
    • Rutherford $534,750
    • Smith $534,750
    • Sumner $534,750
    • Trousdale $534,750
    • Williamson $534,750
    • Wilson $534,750
    • All other areas $314,827
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  • Texas FHA Loan Limits by County
    • Atascosa $359,950
    • Austin $331,200
    • Bandera $359,950
    • Bastrop $389,850
    • Bexar $359,950
    • Brazoria $331,200
    • Caldwell $389,850
    • Chambers $331,200
    • Collin $395,600
    • Comal $359,950
    • Dallas $395,600
    • Denton $395,600
    • Ellis $395,600
    • Fort Bend $331,200
    • Galveston $331,200
    • Gillespie $324,300
    • Guadalupe $359,950
    • Harris $331,200
    • Hays $389,850
    • Hood $395,600
    • Hunt $395,600
    • Johnson $395,600
    • Kaufman $395,600
    • Kendall $359,950
    • Liberty $331,200
    • Martin $318,550
    • Medina $359,950
    • Midland $318,550
    • Montgomery $331,200
    • Parker $395,600
    • Rockwall $395,600
    • Somervell $395,600
    • Tarrant $395,600
    • Travis $389,850
    • Waller $331,200
    • Williamson $389,850
    • Wilson $359,950
    • Wise $395,600
    • All other areas $314,827
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  • Utah FHA Loan Limits by County
    • Box Elder $401,350
    • Davis $401,350
    • Juab $377,200
    • Morgan $401,350
    • Salt Lake $388,700
    • Summit $726,525
    • Tooele $388,700
    • Utah $377,200
    • Wasatch $462,300
    • Washington $349,600
    • Weber $401,350
    • All other areas $314,827
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  • Virginia FHA Loan Limits by County
    • Albemarle $437,000
    • Amelia $535,900
    • Arlington $726,525
    • Buckingham $437,000
    • Caroline $535,900
    • Charles City $535,900
    • Chesterfield $535,900
    • Clarke $726,525
    • Culpeper $726,525
    • Dinwiddie $535,900
    • Fairfax $726,525
    • Fauquier $726,525
    • Fluvanna $437,000
    • Gloucester $458,850
    • Goochland $535,900
    • Greene $437,000
    • Hanover $535,900
    • Henrico $535,900
    • Isle Of Wight $458,850
    • James City $458,850
    • King George $350,750
    • King William $535,900
    • Lancaster $442,750
    • Loudoun $726,525
    • Mathews $458,850
    • Nelson $437,000
    • New Kent $535,900
    • Northumberland $318,550
    • Powhatan $535,900
    • Prince George $535,900
    • Prince William $726,525
    • Rappahannock $726,525
    • Spotsylvania $726,525
    • Stafford $726,525
    • Sussex $535,900
    • Warren $726,525
    • York $458,850
    • Alexandria City $726,525
    • Charlottesville $437,000
    • Chesapeake City $458,850
    • Colonial Height $535,900
    • Fairfax City $726,525
    • Falls Church City $726,525
    • Fredericksburg $726,525
    • Hampton City $458,850
    • Hopewell City $535,900
    • Lexington City $354,200
    • Manassas City $726,525
    • Manassas Park City $726,525
    • Newport News City $458,850
    • Norfolk City $458,850
    • Petersburg City $535,900
    • Poquoson City $458,850
    • Portsmouth City $458,850
    • Richmond City $535,900
    • Suffolk City $458,850
    • Virginia Beach $458,850
    • Williamsburg City $458,850
    • All other areas $314,827
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  • Virgin Islands FHA Loan Limits by County
    • St. Croix $327,750
    • St. John $623,300
    • St. Thomas $446,200
    • All other areas $314,827
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  • Vermont FHA Loan Limits by County
    • Chittenden $351,900
    • Franklin $351,900
    • Grand Isle $351,900
    • All other areas $314,827
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  • Washington FHA Loan Limits by County
    • Chelan $342,700
    • Clallam $384,100
    • Clark $474,950
    • Douglas $342,700
    • Island $379,500
    • Jefferson $322,000
    • King $726,525
    • Kitsap $363,400
    • Pierce $726,525
    • San Juan $483,000
    • Skagit $339,250
    • Skamania $474,950
    • Snohomish $726,525
    • Thurston $336,950
    • Whatcom $381,800
    • All other areas $314,827
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  • West Virginia FHA Loan Limits by County
    • Jefferson $726,525
    • All other areas $314,827
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  • Wisconsin FHA Loan Limits by County
    • Columbia $316,250
    • Dane $316,250
    • Green $316,250
    • Iowa $316,250
    • Kenosha $368,000
    • Milwaukee $327,750
    • Ozaukee $327,750
    • Pierce $366,850
    • St. Croix $366,850
    • Washington $327,750
    • Waukesha $327,750
    • All other areas $314,827
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  • Wyoming FHA Loan Limits by County
    • Sweetwater $316,250
    • Teton $726,525
    • All other areas $314,827

A Closer Look at FHA Loan Limits

FHA loan limits are a ceiling placed on loans guaranteed by the Federal Housing Administration (FHA). These limits are based on the national conforming loan limits and can change every year.

FHA loan limits vary by county and are set based on home prices in each area. After all, a 2000 square foot home in Des Moines, Iowa is likely priced much differently than a similar home in San Diego.

How are FHA Loan Limits Calculated?

    This is one of the most common questions that borrowers ask themselves. The FHA sets the loan limit floor at 65% of the national confirming loan limit and limit ceiling at 150% of the national conforming loan limit.

    Current FHA Loan Limits

    The standard FHA loan limit is $314,827 for most U.S. counties in 2019, an increase from $294,515 in 2018.

    For more expensive housing markets in the continental U.S., FHA loan limits reach all the way up to $726,525 for 2019, up from $679,650 in 2018. The loan limit is even higher in a couple Hawaii counties.

    Related Calculators:

    Overview of 2019 FHA Loan Limits

    Single-Family Home Two-Family Home Three-Family Home Four-Family Home
    2019 FHA Loan Limit for Low-Cost Areas $314,827 $403,125 $487,250 $605,525
    2019 Conforming Loan Limit $726,525 $930,300 $1,124,475 $1,397,400
    2019 FHA Loan Limit for High-Cost Areas* $1,089,787 $1,395,450 $1,686,700 $2,096,100


    *FHA Loan Limits for High-Cost Areas

    Alaska, Hawaii, Guam and the U.S. Virgin Islands have special, higher limits. These special exception limits are set at 150% of the national conforming loan limit.

    • One-unit: $1,089,787
    • Two-unit: $1,395,450
    • Three-unit: $1,686,700
    • Four-unit: $2,096,100


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