Loan Limits / Michigan / Macomb County
2026 Loan Limits · Michigan · DETROIT-WARREN-DEARBORN, MI
Macomb County, MI.
2026 conforming and FHA loan limits, calibrated to a median sales price of $362,000.
Median Sales Price
$362,000
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 Macomb County
Macomb County is a county on the eastern shore of the U.S. state of Michigan. It is part of the Detroit metropolitan area, bordering Detroit to the north and containing many of its northern suburbs. Its county seat is Mt. Clemens, and its largest community is Warren. As of the 2020 census, the county had a population of 881,217, making it the third-most populous county in the state, behind neighboring Wayne and Oakland. Macomb County contains 27 cities, townships and villages, including three of the ten most-populous municipalities in Michigan. Most of this population is concentrated south of Hall Road (M-59), one of the county's main thoroughfares. Read more on Wikipedia →
Population
877,624
U.S. Census ACS 2023
Median Household Income
$76,399
U.S. Census ACS 2023
Median Home Value (Census)
$231,400
Owner-occupied · ACS 2023
Owner-Occupancy Rate
75%
Of occupied housing
What these limits mean for buyers in Macomb County
The 2026 conforming 1-unit limit for Macomb 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. Macomb 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 Macomb County at $362,000. This matches the FHA national floor — Macomb County did not qualify for an upward adjustment for 2026.
Practical takeaway. The median sales price in Macomb County ($362,000) 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
Macomb 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 Macomb County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.