Loan Limits / Michigan
2026 Loan Limits · MI
Michigan loan limits.
All 83 counties in Michigan with their 2026 conforming and FHA loan limits. Click a county for full multi-unit limits and context.
83 counties
1-unit limits shown · click for full detail| County | Median Price | GSE 1u | GSE Class | FHA 1u | FHA Class |
|---|---|---|---|---|---|
| Alcona | $140,000 | $832,750 | Standard | $541,287 | Standard |
| Alger | $155,000 | $832,750 | Standard | $541,287 | Standard |
| Allegan | $270,000 | $832,750 | Standard | $541,287 | Standard |
| Alpena | $147,000 | $832,750 | Standard | $541,287 | Standard |
| Antrim | $177,000 | $832,750 | Standard | $541,287 | Standard |
| Arenac | $128,000 | $832,750 | Standard | $541,287 | Standard |
| Baraga | $122,000 | $832,750 | Standard | $541,287 | Standard |
| Barry | $365,000 | $832,750 | Standard | $541,287 | Standard |
| Bay | $140,000 | $832,750 | Standard | $541,287 | Standard |
| Benzie | $435,000 | $832,750 | Standard | $541,287 | Standard |
| Berrien | $205,000 | $832,750 | Standard | $541,287 | Standard |
| Branch | $175,000 | $832,750 | Standard | $541,287 | Standard |
| Calhoun | $165,000 | $832,750 | Standard | $541,287 | Standard |
| Cass | $195,000 | $832,750 | Standard | $541,287 | Standard |
| Charlevoix | $398,000 | $832,750 | Standard | $541,287 | Standard |
| Cheboygan | $320,000 | $832,750 | Standard | $541,287 | Standard |
| Chippewa | $125,000 | $832,750 | Standard | $541,287 | Standard |
| Clare | $106,000 | $832,750 | Standard | $541,287 | Standard |
| Clinton | $270,000 | $832,750 | Standard | $541,287 | Standard |
| Crawford | $150,000 | $832,750 | Standard | $541,287 | Standard |
| Delta | $133,000 | $832,750 | Standard | $541,287 | Standard |
| Dickinson | $140,000 | $832,750 | Standard | $541,287 | Standard |
| Eaton | $270,000 | $832,750 | Standard | $541,287 | Standard |
| Emmet | $275,000 | $832,750 | Standard | $541,287 | Standard |
| Genesee | $175,000 | $832,750 | Standard | $541,287 | Standard |
| Gladwin | $150,000 | $832,750 | Standard | $541,287 | Standard |
| Gogebic | $140,000 | $832,750 | Standard | $541,287 | Standard |
| Grand Traverse | $435,000 | $832,750 | Standard | $541,287 | Standard |
| Gratiot | $140,000 | $832,750 | Standard | $541,287 | Standard |
| Hillsdale | $160,000 | $832,750 | Standard | $541,287 | Standard |
| Houghton | $148,000 | $832,750 | Standard | $541,287 | Standard |
| Huron | $193,000 | $832,750 | Standard | $541,287 | Standard |
| Ingham | $270,000 | $832,750 | Standard | $541,287 | Standard |
| Ionia | $365,000 | $832,750 | Standard | $541,287 | Standard |
| Iosco | $145,000 | $832,750 | Standard | $541,287 | Standard |
| Iron | $90,000 | $832,750 | Standard | $541,287 | Standard |
| Isabella | $186,000 | $832,750 | Standard | $541,287 | Standard |
| Jackson | $185,000 | $832,750 | Standard | $541,287 | Standard |
| Kalamazoo | $240,000 | $832,750 | Standard | $541,287 | Standard |
| Kalkaska | $435,000 | $832,750 | Standard | $541,287 | Standard |
| Kent | $365,000 | $832,750 | Standard | $541,287 | Standard |
| Keweenaw | $148,000 | $832,750 | Standard | $541,287 | Standard |
| Lake | $86,000 | $832,750 | Standard | $541,287 | Standard |
| Lapeer | $362,000 | $832,750 | Standard | $541,287 | Standard |
| Leelanau | $435,000 | $832,750 | Standard | $541,287 | Standard |
| Lenawee | $200,000 | $832,750 | Standard | $541,287 | Standard |
| Livingston | $362,000 | $832,750 | Standard | $541,287 | Standard |
| Luce | $99,000 | $832,750 | Standard | $541,287 | Standard |
| Mackinac | $230,000 | $832,750 | Standard | $541,287 | Standard |
| Macomb | $362,000 | $832,750 | Standard | $541,287 | Standard |
| Manistee | $180,000 | $832,750 | Standard | $541,287 | Standard |
| Marquette | $210,000 | $832,750 | Standard | $541,287 | Standard |
| Mason | $190,000 | $832,750 | Standard | $541,287 | Standard |
| Mecosta | $189,000 | $832,750 | Standard | $541,287 | Standard |
| Menominee | $130,000 | $832,750 | Standard | $541,287 | Standard |
| Midland | $200,000 | $832,750 | Standard | $541,287 | Standard |
| Missaukee | $171,000 | $832,750 | Standard | $541,287 | Standard |
| Monroe | $230,000 | $832,750 | Standard | $541,287 | Standard |
| Montcalm | $365,000 | $832,750 | Standard | $541,287 | Standard |
| Montmorency | $123,000 | $832,750 | Standard | $541,287 | Standard |
| Muskegon | $200,000 | $832,750 | Standard | $541,287 | Standard |
| Newaygo | $178,000 | $832,750 | Standard | $541,287 | Standard |
| Oakland | $362,000 | $832,750 | Standard | $541,287 | Standard |
| Oceana | $161,000 | $832,750 | Standard | $541,287 | Standard |
| Ogemaw | $145,000 | $832,750 | Standard | $541,287 | Standard |
| Ontonagon | $78,000 | $832,750 | Standard | $541,287 | Standard |
| Osceola | $236,000 | $832,750 | Standard | $541,287 | Standard |
| Oscoda | $102,000 | $832,750 | Standard | $541,287 | Standard |
| Otsego | $304,000 | $832,750 | Standard | $541,287 | Standard |
| Ottawa | $365,000 | $832,750 | Standard | $541,287 | Standard |
| Presque Isle | $122,000 | $832,750 | Standard | $541,287 | Standard |
| Roscommon | $168,000 | $832,750 | Standard | $541,287 | Standard |
| Saginaw | $155,000 | $832,750 | Standard | $541,287 | Standard |
| Sanilac | $160,000 | $832,750 | Standard | $541,287 | Standard |
| Schoolcraft | $173,000 | $832,750 | Standard | $541,287 | Standard |
| Shiawassee | $168,000 | $832,750 | Standard | $541,287 | Standard |
| St. Clair | $362,000 | $832,750 | Standard | $541,287 | Standard |
| St. Joseph | $178,000 | $832,750 | Standard | $541,287 | Standard |
| Tuscola | $151,000 | $832,750 | Standard | $541,287 | Standard |
| Van Buren | $200,000 | $832,750 | Standard | $541,287 | Standard |
| Washtenaw | $385,000 | $832,750 | Standard | $541,287 | Standard |
| Wayne | $362,000 | $832,750 | Standard | $541,287 | Standard |
| Wexford | $171,000 | $832,750 | Standard | $541,287 | Standard |
Michigan at a glance
83 counties indexed. All counties use the standard conforming and FHA limits. The highest GSE 1-unit limit in Michigan is $832,750 in Alcona 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 Michigan.