Loan Limits / Massachusetts
2026 Loan Limits · MA
Massachusetts loan limits.
All 14 counties in Massachusetts with their 2026 conforming and FHA loan limits. Click a county for full multi-unit limits and context.
14 counties
1-unit limits shown · click for full detail| County | Median Price | GSE 1u | GSE Class | FHA 1u | FHA Class |
|---|---|---|---|---|---|
| Barnstable | $720,000 | $832,750 | Standard | $828,000 | High-cost |
| Berkshire | $328,000 | $832,750 | Standard | $541,287 | Standard |
| Bristol | $685,000 | $832,750 | Standard | $787,750 | High-cost |
| Dukes | $1,520,000 | $1,249,125 | High-cost | $1,249,125 | High-cost |
| Essex | $837,000 | $962,550 | High-cost | $962,550 | High-cost |
| Franklin | $335,000 | $832,750 | Standard | $541,287 | Standard |
| Hampden | $325,000 | $832,750 | Standard | $541,287 | Standard |
| Hampshire | $418,000 | $832,750 | Standard | $541,287 | Standard |
| Middlesex | $837,000 | $962,550 | High-cost | $962,550 | High-cost |
| Nantucket | $2,375,000 | $1,249,125 | High-cost | $1,249,125 | High-cost |
| Norfolk | $837,000 | $962,550 | High-cost | $962,550 | High-cost |
| Plymouth | $837,000 | $962,550 | High-cost | $962,550 | High-cost |
| Suffolk | $837,000 | $962,550 | High-cost | $962,550 | High-cost |
| Worcester | $474,000 | $832,750 | Standard | $545,100 | High-cost |
Massachusetts at a glance
14 counties indexed. 10 are designated high-cost by HUD or FHFA. The highest GSE 1-unit limit in Massachusetts is $1,249,125 in Dukes County.
Loan amount above the conforming limit for your county? You're in jumbo territory. Below the FHA ceiling? FHA financing is on the table. We can run the numbers for any property in Massachusetts.