Loan Limits / Nevada / White Pine County
2026 Loan Limits · Nevada · NON-METRO
White Pine County, NV.
2026 conforming and FHA loan limits, calibrated to a median sales price of $145,000.
Median Sales Price
$145,000
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 White Pine County
White Pine County is a largely rural, mountain county along the central eastern boundary of the U.S. state of Nevada. As of the 2020 census, the population was 9,080. Its county seat is Ely. The name "(Rocky Mountain) white pine" is an old name for the limber pine, a common tree in the county's mountains. The county boasts dark skies, clean air and millions of acres of unspoiled public land. It is the home of Great Basin National Park, one of America's most remote and least visited national parks. It is also home to no less than 14 federally designated wilderness areas, offering an abundance of terrain available to explore for hikers, backpackers, skiers, hunters and anglers. The Ely Shoshone Indian Reservation is located in the county, on the south side of the City of Ely. The reservation has a land area of 104.99 acres (0.4249 km2) and a 2000 census official resident population of 133 people. Read more on Wikipedia →
Population
8,856
U.S. Census ACS 2023
Median Household Income
$72,294
U.S. Census ACS 2023
Median Home Value (Census)
$196,700
Owner-occupied · ACS 2023
Owner-Occupancy Rate
78%
Of occupied housing
What these limits mean for buyers in White Pine County
The 2026 conforming 1-unit limit for White Pine 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. White Pine 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 White Pine County at $145,000. This matches the FHA national floor — White Pine County did not qualify for an upward adjustment for 2026.
Practical takeaway. The median sales price in White Pine County ($145,000) 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
White Pine 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 White Pine County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.