Loan Limits / New York / Bronx County
2026 Loan Limits · New York · NEW YORK-NEWARK-JERSEY CITY, NY-NJ
Bronx County, NY.
2026 conforming and FHA loan limits, calibrated to a median sales price of $996,000. This county is designated high-cost — conforming limits exceed the national baseline.
Median Sales Price
$996,000
Per HUD CHUMS, 2026
Conforming 1u Limit
$1,209,750
High-cost
FHA 1u Limit
$1,249,125
Ceiling
Jumbo Threshold
> $1,209,750
1-unit · loans above this are jumbo
Conforming (Fannie / Freddie)
High-cost| 1-unit (single-family) | $1,209,750 |
| 2-unit (duplex) | $1,548,975 |
| 3-unit (triplex) | $1,872,225 |
| 4-unit (fourplex) | $2,326,875 |
FHA Forward (203b)
Ceiling| 1-unit (single-family) | $1,249,125 |
| 2-unit (duplex) | $1,599,375 |
| 3-unit (triplex) | $1,933,200 |
| 4-unit (fourplex) | $2,402,625 |
About this county
About Bronx County
The Bronx is the northernmost of the five boroughs of New York City, coextensive with Bronx County, in the U.S. state of New York. The borough shares a land border with Westchester County, New York to its north; to its south and west, the New York City borough of Manhattan lies across the Harlem River; and to its south and east is the borough of Queens, across the East River. The Bronx, the only New York City borough located primarily on the U.S. mainland, has a land area of 42 square miles (109 km2) and a population of 1,472,654 at the 2020 census. It has the fourth-largest area, fourth-highest population, and third-highest population density of the boroughs. Read more on Wikipedia →
Population
1,419,250
U.S. Census ACS 2023
Median Household Income
$49,036
U.S. Census ACS 2023
Median Home Value (Census)
$517,000
Owner-occupied · ACS 2023
Owner-Occupancy Rate
20%
Of occupied housing
What these limits mean for buyers in Bronx County
The 2026 conforming 1-unit limit for Bronx County is $1,209,750. 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. Because Bronx County is designated a high-cost area, the limit exceeds the national baseline of $832,750.
For FHA financing, the 2026 1-unit limit is $1,249,125. The HUD CHUMS table pegs the median sales price for Bronx County at $996,000. Bronx County is in HUD's FHA high-cost tier — its limit sits between the national floor of $541,287 and the ceiling of $1,249,125, calculated as 115% of the area median.
Practical takeaway. The median sales price in Bronx County ($996,000) 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
Bronx County 2-, 3-, and 4-unit conforming limits are $1,548,975, $1,872,225, and $2,326,875 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 Bronx County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.