Dukes County, MA.

What these limits mean for buyers in Dukes County

The 2026 conforming 1-unit limit for Dukes County is $1,249,125. 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. Because Dukes County is designated a high-cost area, the limit exceeds the national baseline of $832,750.

For FHA financing, the 2026 1-unit limit is $1,249,125. The HUD CHUMS table pegs the median sales price for Dukes County at $1,520,000. Dukes County is in HUD's FHA high-cost tier — its limit sits between the national floor of $541,287 and the ceiling of $1,249,125, calculated as 115% of the area median.

Practical takeaway. The median sales price in Dukes County ($1,520,000) is above the conforming limit. A typical median-priced purchase here will be a jumbo loan unless the down payment is large enough to bring the loan amount inside conforming territory. We underwrite jumbo regularly.

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

Dukes County 2-, 3-, and 4-unit conforming limits are $1,599,375, $1,933,200, and $2,402,625 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.