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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 $420,680, but in high-cost areas the limit can be as high as $970,800.

State FHA Loan Limits by County

  • Alabama FHA Loan Limits by County
    • All areas $420,680
  • Alaska FHA Loan Limits by County
    • Aleutians West $545,100
    • Anchorage $450,800
    • Juneau $511,750
    • Kodiak Island $453,100
    • Matanuska Susitna $450,800
    • Nome $440,450
    • Sitka $503,700
    • Skagway $441,600
    • Yakutat $420,900
    • All other areas $420,680
  • American Samoa FHA Loan Limits by County
    • All areas $420,680
  • Arizona FHA Loan Limits by County
    • Coconino $423,200
    • Maricopa $441,600
    • Pinal $441,600
    • All other areas $420,680
  • Arkansas FHA Loan Limits by County
    • All areas $420,680
  • California FHA Loan Limits by County
    • Alameda $970,800
    • Alpine $463,450
    • Contra Costa $970,800
    • El Dorado $675,050
    • Inyo $431,250
    • Los Angeles $970,800
    • Marin $970,800
    • Mendocino $506,000
    • Mono $563,500
    • Monterey $854,450
    • Napa $897,000
    • Nevada $609,500
    • Orange $970,800
    • Placer $675,050
    • Riverside $562,350
    • Sacramento $675,050
    • San Benito $970,800
    • San Bernardino $562,350
    • San Diego $879,750
    • San Francisco $970,800
    • San Joaquin $563,500
    • San Luis Obispo $805,000
    • San Mateo $970,800
    • Santa Barbara $783,150
    • Santa Clara $970,800
    • Santa Cruz $970,800
    • Solano $614,100
    • Sonoma $764,750
    • Stanislaus $460,000
    • Sutter $420,900
    • Ventura $851,000
    • Yolo $675,050
    • Yuba $420,900
    • All other areas $420,680
  • Colorado FHA Loan Limits by County
    • Adams $684,250
    • Arapahoe $684,250
    • Boulder $747,500
    • Broomfield $684,250
    • Chaffee $461,150
    • Clear Creek $684,250
    • Denver $684,250
    • Douglas $684,250
    • Eagle $862,500
    • Elbert $684,250
    • El Paso $460,000
    • Garfield $970,800
    • Gilpin $684,250
    • Grand $534,750
    • Gunnison $431,250
    • Hinsdale $427,800
    • Jefferson $684,250
    • La Plata $494,500
    • Larimer $522,100
    • Montrose $425,500
    • Ouray $425,500
    • Park $684,250
    • Pitkin $970,800
    • Routt $678,500
    • San Miguel $970,800
    • Summit $925,750
    • Teller $460,000
    • Weld $483,000
    • All other areas $420,680
  • Connecticut FHA Loan Limits by County
    • Fairfield $695,750
    • All other areas $420,680
  • Delaware FHA Loan Limits by County
    • New Castle $477,250
    • All other areas $420,680
  • District Of Columbia FHA Loan Limits by County
    • District Of Columbia $970,800
    • All other areas $420,680
  • Florida FHA Loan Limits by County
    • Baker $432,400
    • Broward $460,000
    • Clay $432,400
    • Collier $552,000
    • Duval $432,400
    • Martin $431,250
    • Miami-Dade $460,000
    • Monroe $710,700
    • Nassau $432,400
    • Okaloosa $539,350
    • Palm Beach $460,000
    • St. Johns $432,400
    • St. Lucie $431,250
    • Walton $539,350
    • All other areas $420,680
  • Georgia FHA Loan Limits by County
    • Barrow $471,500
    • Bartow $471,500
    • Butts $471,500
    • Carroll $471,500
    • Cherokee $471,500
    • Clarke $457,700
    • Clayton $471,500
    • Cobb $471,500
    • Coweta $471,500
    • Dawson $471,500
    • Dekalb $471,500
    • Douglas $471,500
    • Fayette $471,500
    • Forsyth $471,500
    • Fulton $471,500
    • Greene $515,200
    • Gwinnett $471,500
    • Haralson $471,500
    • Heard $471,500
    • Henry $471,500
    • Jasper $471,500
    • Lamar $471,500
    • Madison $457,700
    • Meriwether $471,500
    • Morgan $471,500
    • Newton $471,500
    • Oconee $457,700
    • Oglethorpe $457,700
    • Paulding $471,500
    • Pickens $471,500
    • Pike $471,500
    • Rockdale $471,500
    • Spalding $471,500
    • Walton $471,500
    • All other areas $420,680
  • Guam FHA Loan Limits by County
    • Guam $563,500
    • All other areas $420,680
  • Hawaii FHA Loan Limits by County
    • Hawaii $477,250
    • Honolulu $747,500
    • Kalawao $828,000
    • Kauai $845,250
    • Maui $828,000
    • All other areas $420,680
  • Idaho FHA Loan Limits by County
    • Ada $515,200
    • Blaine $648,600
    • Boise $515,200
    • Bonner $427,800
    • Camas $648,600
    • Canyon $515,200
    • Gem $515,200
    • Kootenai $483,000
    • Owyhee $515,200
    • Teton $970,800
    • All other areas $420,680
  • Illinois FHA Loan Limits by County
    • All areas $420,680
  • Indiana FHA Loan Limits by County
    • All areas $420,680
  • Iowa FHA Loan Limits by County
    • All areas $420,680
  • Kansas FHA Loan Limits by County
    • Johnson $431,250
    • Leavenworth $431,250
    • Linn $431,250
    • Miami $431,250
    • Wyandotte $431,250
    • All other areas $420,680
  • Kentucky FHA Loan Limits by County
    • All areas $420,680
  • Louisiana FHA Loan Limits by County
    • All areas $420,680
  • Maine FHA Loan Limits by County
    • Cumberland $463,450
    • Sagadahoc $463,450
    • York $463,450
    • All other areas $420,680
  • Maryland FHA Loan Limits by County
    • Anne Arundel $583,050
    • Baltimore $583,050
    • Calvert $970,800
    • Carroll $583,050
    • Cecil $477,250
    • Charles $970,800
    • Frederick $970,800
    • Harford $583,050
    • Howard $583,050
    • Montgomery $970,800
    • Prince George's $970,800
    • Queen Anne's $583,050
    • Talbot $431,250
    • Baltimore City $583,050
    • All other areas $420,680
  • Massachusetts FHA Loan Limits by County
    • Barnstable $621,000
    • Bristol $592,250
    • Dukes $970,800
    • Essex $770,500
    • Middlesex $770,500
    • Nantucket $970,800
    • Norfolk $770,500
    • Plymouth $770,500
    • Suffolk $770,500
    • All other areas $420,680
  • Michigan FHA Loan Limits by County
    • All areas $420,680
  • Minnesota FHA Loan Limits by County
    • Anoka $448,500
    • Carver $448,500
    • Chisago $448,500
    • Dakota $448,500
    • Hennepin $448,500
    • Isanti $448,500
    • Le Sueur $448,500
    • Mille Lacs $448,500
    • Ramsey $448,500
    • Scott $448,500
    • Sherburne $448,500
    • Washington $448,500
    • Wright $448,500
    • All other areas $420,680
  • Northen Maiana Islands FHA Loan Limits by County
    • Northern Island $524,400
    • Saipan $529,000
    • Tinian $532,450
    • All other areas $420,680
  • Mississippi FHA Loan Limits by County
    • All areas $420,680
  • Missouri FHA Loan Limits by County
    • Bates $431,250
    • Caldwell $431,250
    • Cass $431,250
    • Clay $431,250
    • Clinton $431,250
    • Jackson $431,250
    • Lafayette $431,250
    • Platte $431,250
    • Ray $431,250
    • All other areas $420,680
  • Montana FHA Loan Limits by County
    • Flathead $441,600
    • Gallatin $603,750
    • Missoula $471,500
    • Park $460,000
    • Ravalli $422,050
    • All other areas $420,680
  • Nebraska FHA Loan Limits by County
    • Lincoln $433,550
    • Logan $433,550
    • Mcpherson $433,550
    • All other areas $420,680
  • Nevada FHA Loan Limits by County
    • Douglas $569,250
    • Storey $534,750
    • Washoe $534,750
    • Carson City $448,500
    • All other areas $420,680
  • New Hampshire FHA Loan Limits by County
    • Hillsborough $430,100
    • Rockingham $770,500
    • Strafford $770,500
    • All other areas $420,680
  • New Jersey FHA Loan Limits by County
    • Bergen $970,800
    • Burlington $477,250
    • Camden $477,250
    • Cape May $489,900
    • Essex $970,800
    • Gloucester $477,250
    • Hudson $970,800
    • Hunterdon $970,800
    • Middlesex $970,800
    • Monmouth $970,800
    • Morris $970,800
    • Ocean $970,800
    • Passaic $970,800
    • Salem $477,250
    • Somerset $970,800
    • Sussex $970,800
    • Union $970,800
    • All other areas $420,680
  • New Mexico FHA Loan Limits by County
    • Los Alamos $530,150
    • Santa Fe $468,050
    • Taos $423,200
    • All other areas $420,680
  • New York FHA Loan Limits by County
    • Bronx $970,800
    • Kings $970,800
    • Nassau $970,800
    • New York $970,800
    • Putnam $970,800
    • Queens $970,800
    • Richmond $970,800
    • Rockland $970,800
    • Suffolk $970,800
    • Westchester $970,800
    • All other areas $420,680
  • North Carolina FHA Loan Limits by County
    • Camden $488,750
    • Chatham $506,000
    • Currituck $488,750
    • Dare $471,500
    • Durham $506,000
    • Gates $488,750
    • Granville $506,000
    • Hyde $483,000
    • Orange $506,000
    • Pasquotank $805,000
    • Perquimans $805,000
    • Person $506,000
    • All other areas $420,680
  • North Dakota FHA Loan Limits by County
    • All areas $420,680
  • Ohio FHA Loan Limits by County
    • Delaware $439,300
    • Fairfield $439,300
    • Franklin $439,300
    • Hocking $439,300
    • Licking $439,300
    • Madison $439,300
    • Morrow $439,300
    • Perry $439,300
    • Pickaway $439,300
    • Union $439,300
    • All other areas $420,680
  • Oklahoma FHA Loan Limits by County
    • All areas $420,680
  • Oregon FHA Loan Limits by County
    • Benton $483,000
    • Clackamas $598,000
    • Clatsop $437,000
    • Columbia $598,000
    • Deschutes $569,250
    • Hood River $599,150
    • Multnomah $598,000
    • Washington $598,000
    • Yamhill $598,000
    • All other areas $420,680
  • Pennsylvania FHA Loan Limits by County
    • Bucks $477,250
    • Chester $477,250
    • Delaware $477,250
    • Montgomery $477,250
    • Philadelphia $477,250
    • Pike $970,800
    • All other areas $420,680
  • Puerto Rico FHA Loan Limits by County
    • Culebra $532,450
    • All other areas $420,680
  • Rhode Island FHA Loan Limits by County
    • Bristol $592,250
    • Kent $592,250
    • Newport $592,250
    • Providence $592,250
    • Washington $592,250
    • All other areas $420,680
  • South Carolina FHA Loan Limits by County
    • Berkeley $473,800
    • Charleston $473,800
    • Dorchester $473,800
    • All other areas $420,680
  • South Dakota FHA Loan Limits by County
    • All areas $420,680
  • Tennessee FHA Loan Limits by County
    • Cannon $694,600
    • Cheatham $694,600
    • Davidson $694,600
    • Dickson $694,600
    • Macon $694,600
    • Maury $694,600
    • Robertson $694,600
    • Rutherford $694,600
    • Smith $694,600
    • Sumner $694,600
    • Trousdale $694,600
    • Williamson $694,600
    • Wilson $694,600
    • All other areas $420,680
  • Texas FHA Loan Limits by County
    • Atascosa $449,650
    • Bandera $449,650
    • Bastrop $483,000
    • Bexar $449,650
    • Caldwell $483,000
    • Collin $450,800
    • Comal $449,650
    • Dallas $450,800
    • Denton $450,800
    • Ellis $450,800
    • Guadalupe $449,650
    • Hays $483,000
    • Hunt $450,800
    • Johnson $450,800
    • Kaufman $450,800
    • Kendall $449,650
    • Medina $449,650
    • Parker $450,800
    • Rockwall $450,800
    • Tarrant $450,800
    • Travis $483,000
    • Williamson $483,000
    • Wilson $449,650
    • Wise $450,800
    • All other areas $420,680
  • Utah FHA Loan Limits by County
    • Box Elder $646,300
    • Davis $646,300
    • Juab $508,300
    • Morgan $646,300
    • Rich $447,350
    • Salt Lake $523,250
    • Summit $970,800
    • Tooele $523,250
    • Utah $508,300
    • Wasatch $970,800
    • Washington $481,850
    • Weber $646,300
    • All other areas $420,680
  • U.s. Virgin Islands FHA Loan Limits by County
    • St. John Island $623,300
    • St. Thomas Island $446,200
    • All other areas $420,680
  • Vermont FHA Loan Limits by County
    • Chittenden $434,700
    • Franklin $434,700
    • Grand Isle $434,700
    • All other areas $420,680
  • Virginia FHA Loan Limits by County
    • Albemarle $460,000
    • Amelia $535,900
    • Arlington $970,800
    • Charles City $535,900
    • Chesterfield $535,900
    • Clarke $970,800
    • Culpeper $970,800
    • Dinwiddie $535,900
    • Fairfax $970,800
    • Fauquier $970,800
    • Fluvanna $460,000
    • Gloucester $488,750
    • Goochland $535,900
    • Greene $460,000
    • Hanover $535,900
    • Henrico $535,900
    • Isle Of Wight $488,750
    • James City $488,750
    • King And Queen $535,900
    • King William $535,900
    • Lancaster $442,750
    • Loudoun $970,800
    • Madison $970,800
    • Mathews $488,750
    • Nelson $460,000
    • New Kent $535,900
    • Powhatan $535,900
    • Prince George $535,900
    • Prince William $970,800
    • Rappahannock $970,800
    • Southampton $488,750
    • Spotsylvania $970,800
    • Stafford $970,800
    • Sussex $535,900
    • Warren $970,800
    • York $488,750
    • Alexandria City $970,800
    • Charlottesville $460,000
    • Chesapeake City $488,750
    • Colonial Height $535,900
    • Fairfax City $970,800
    • Falls Church City $970,800
    • Franklin City $488,750
    • Fredericksburg $970,800
    • Hampton City $488,750
    • Hopewell City $535,900
    • Manassas City $970,800
    • Manassas Park City $970,800
    • Newport News City $488,750
    • Norfolk City $488,750
    • Petersburg City $535,900
    • Poquoson City $488,750
    • Portsmouth City $488,750
    • Richmond City $535,900
    • Suffolk City $488,750
    • Virginia Beach $488,750
    • Williamsburg City $488,750
    • All other areas $420,680
  • Washington FHA Loan Limits by County
    • Clark $598,000
    • Island $511,750
    • King $891,250
    • Kitsap $497,950
    • Pierce $891,250
    • San Juan $497,950
    • Skagit $473,800
    • Skamania $598,000
    • Snohomish $891,250
    • Thurston $477,250
    • Whatcom $514,050
    • All other areas $420,680
  • West Virginia FHA Loan Limits by County
    • Jefferson $970,800
    • All other areas $420,680
  • Wisconsin FHA Loan Limits by County
    • Pierce $448,500
    • St. Croix $448,500
    • All other areas $420,680
  • Wyoming FHA Loan Limits by County
    • Sheridan $489,900
    • Teton $970,800
    • All other areas $420,680

About 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. Current loan limits are in effect until December 31, 2022.

FHA loan limits vary by county and are set based on home prices in each area. After all, a 2,000 square foot home in Des Moines 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 borrowers ask. The FHA sets the loan limit floor at 65% of the national conforming loan limit and sets the limit ceiling at 150% of the national conforming loan limit.

Current FHA Loan Limits

The standard FHA loan limit in 2022 is $420,680 for most U.S. counties, an increase from $356,362 in 2021.

For more expensive housing markets in the continental U.S., FHA loan limits reach all the way up to $970,800 in 2022, which is a significant increase from $822,375 in 2021. Additionally, there are a few special exception areas where loan limits are even higher.

Related Calculators:

Overview of 2022 FHA Loan Limits

Single-Family Home Two-Family Home Three-Family Home Four-Family Home
FHA Loan Limit for Low-Cost Areas $420,680
$538,650$651,050 $809,150
FHA Loan Limit for High-Cost Areas $970,800 $1,243,050 $1,502,475 $1,867,275
FHA Loan Limit for Special Exception Areas* $1,456,200 $1,864,575 $2,253,700 $2,800,900


*About FHA Special Exception Areas

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

Updated: 1/3/2022

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