Loan Limits / Michigan / Antrim County
2026 Loan Limits · Michigan · NON-METRO
Antrim County, MI.
2026 conforming and FHA loan limits, calibrated to a median sales price of $177,000.
Median Sales Price
$177,000
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 Antrim County
Antrim County is a county located in the U.S. state of Michigan. As of the 2020 census, the population was 23,431. The county seat is Bellaire. The name is taken from County Antrim in Northern Ireland. Antrim County is home to Torch Lake, Michigan's deepest and second-largest inland lake. Torch Lake, famous for its clear and blue waters, is part of the Chain of Lakes Watershed, most of which lies within Antrim County. The county is bordered to the west by Grand Traverse Bay, a bay of Lake Michigan. Read more on Wikipedia →
Population
23,876
U.S. Census ACS 2023
Median Household Income
$71,421
U.S. Census ACS 2023
Median Home Value (Census)
$222,500
Owner-occupied · ACS 2023
Owner-Occupancy Rate
87%
Of occupied housing
What these limits mean for buyers in Antrim County
The 2026 conforming 1-unit limit for Antrim 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. Antrim 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 Antrim County at $177,000. This matches the FHA national floor — Antrim County did not qualify for an upward adjustment for 2026.
Practical takeaway. The median sales price in Antrim County ($177,000) 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
Antrim 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 Antrim County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.