Loan Limits / Maine / Knox County
2026 Loan Limits · Maine · NON-METRO
Knox County, ME.
2026 conforming and FHA loan limits, calibrated to a median sales price of $361,000.
Median Sales Price
$361,000
Per HUD CHUMS, 2026
Conforming 1u Limit
$832,750
Standard conforming
FHA 1u Limit
$541,287
Floor
Jumbo Threshold
> $832,750
1-unit · loans above this are jumbo
Conforming (Fannie / Freddie)
Standard conforming| 1-unit (single-family) | $832,750 |
| 2-unit (duplex) | $1,066,250 |
| 3-unit (triplex) | $1,288,800 |
| 4-unit (fourplex) | $1,601,750 |
FHA Forward (203b)
Floor| 1-unit (single-family) | $541,287 |
| 2-unit (duplex) | $693,050 |
| 3-unit (triplex) | $837,700 |
| 4-unit (fourplex) | $1,041,125 |
About this county
About Knox County
Knox County is a county located in the state of Maine, United States. As of the 2020 census, the population was 40,607. Its county seat is Rockland. The county is named for Revolutionary War general and Secretary of War Henry Knox, who lived in the county from 1795 until his death in 1806. The county was established on April 1, 1860, and is the most recent county to be created in Maine. It was carved from parts of Waldo and Lincoln counties. The Union Fair, started in 1868, began as the efforts of the North Knox Agricultural and Horticultural Society. Read more on Wikipedia →
Population
40,860
U.S. Census ACS 2023
Median Household Income
$71,903
U.S. Census ACS 2023
Median Home Value (Census)
$290,800
Owner-occupied · ACS 2023
Owner-Occupancy Rate
79%
Of occupied housing
What these limits mean for buyers in Knox County
The 2026 conforming 1-unit limit for Knox County is $832,750. Loans at or below this amount can be sold by the originating lender to Fannie Mae or Freddie Mac, which keeps pricing tight and underwriting consistent. Knox County uses the standard national conforming baseline.
For FHA financing, the 2026 1-unit limit is $541,287. The HUD CHUMS table pegs the median sales price for Knox County at $361,000. This matches the FHA national floor — Knox County did not qualify for an upward adjustment for 2026.
Practical takeaway. The median sales price in Knox County ($361,000) is below both limits — FHA, conventional, and VA financing all cover median-priced purchases here. Choice between programs comes down to credit, down payment, and overlay differences.
How the limits are set
Conforming limits come from the Federal Housing Finance Agency (FHFA), which adjusts them each year based on changes in the FHFA Housing Price Index. FHA limits come from HUD: the national floor is $541,287 (65% of conforming baseline), the ceiling is $1,249,125 (150% of conforming baseline), and counties between are calculated as 115% of the area median sales price.
Multi-unit and house-hacking math
Knox County 2-, 3-, and 4-unit conforming limits are $1,066,250, $1,288,800, and $1,601,750 respectively. If you're house-hacking — owner-occupying one unit of a 2-4 unit property — these are the limits that matter, and the rental income on the other units can be used to qualify. FHA and VA both finance owner-occupied 2-4 unit properties at their own multi-unit limits.
Limits effective 2026 per HUD CHUMS publication. Sourced GSE and FHA files. Generated 2026-04-26.
Buying in Knox County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.