Loan Limits / New Mexico
2026 Loan Limits · NM
New Mexico loan limits.
All 33 counties in New Mexico with their 2026 conforming and FHA loan limits. Click a county for full multi-unit limits and context.
33 counties
1-unit limits shown · click for full detail| County | Median Price | GSE 1u | GSE Class | FHA 1u | FHA Class |
|---|---|---|---|---|---|
| Bernalillo | $366,000 | $832,750 | Standard | $541,287 | Standard |
| Catron | $231,000 | $832,750 | Standard | $541,287 | Standard |
| Chaves | $211,000 | $832,750 | Standard | $541,287 | Standard |
| Cibola | $182,000 | $832,750 | Standard | $541,287 | Standard |
| Colfax | $248,000 | $832,750 | Standard | $541,287 | Standard |
| Curry | $222,000 | $832,750 | Standard | $541,287 | Standard |
| De Baca | $132,000 | $832,750 | Standard | $541,287 | Standard |
| Dona Ana | $305,000 | $832,750 | Standard | $541,287 | Standard |
| Eddy | $288,000 | $832,750 | Standard | $541,287 | Standard |
| Grant | $199,000 | $832,750 | Standard | $541,287 | Standard |
| Guadalupe | $214,000 | $832,750 | Standard | $541,287 | Standard |
| Harding | $375,000 | $832,750 | Standard | $541,287 | Standard |
| Hidalgo | $147,000 | $832,750 | Standard | $541,287 | Standard |
| Lea | $90,000 | $832,750 | Standard | $541,287 | Standard |
| Lincoln | $343,000 | $832,750 | Standard | $541,287 | Standard |
| Los Alamos | $600,000 | $832,750 | Standard | $692,300 | High-cost |
| Luna | $188,000 | $832,750 | Standard | $541,287 | Standard |
| Mckinley | $108,000 | $832,750 | Standard | $541,287 | Standard |
| Mora | $267,000 | $832,750 | Standard | $541,287 | Standard |
| Otero | $238,000 | $832,750 | Standard | $541,287 | Standard |
| Quay | $127,000 | $832,750 | Standard | $541,287 | Standard |
| Rio Arriba | $345,000 | $832,750 | Standard | $541,287 | Standard |
| Roosevelt | $222,000 | $832,750 | Standard | $541,287 | Standard |
| San Juan | $294,000 | $832,750 | Standard | $541,287 | Standard |
| San Miguel | $267,000 | $832,750 | Standard | $541,287 | Standard |
| Sandoval | $366,000 | $832,750 | Standard | $541,287 | Standard |
| Santa Fe | $495,000 | $832,750 | Standard | $569,250 | High-cost |
| Sierra | $193,000 | $832,750 | Standard | $541,287 | Standard |
| Socorro | $215,000 | $832,750 | Standard | $541,287 | Standard |
| Taos | $419,000 | $832,750 | Standard | $541,287 | Standard |
| Torrance | $366,000 | $832,750 | Standard | $541,287 | Standard |
| Union | $175,000 | $832,750 | Standard | $541,287 | Standard |
| Valencia | $366,000 | $832,750 | Standard | $541,287 | Standard |
New Mexico at a glance
33 counties indexed. 2 are designated high-cost by HUD or FHFA. The highest GSE 1-unit limit in New Mexico is $832,750 in Bernalillo 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 New Mexico.