Loan Limits / Puerto Rico / Cayey County
2026 Loan Limits · Puerto Rico · SAN JUAN-BAYAMON-CAGUAS, PR
Cayey County, PR.
2026 conforming and FHA loan limits, calibrated to a median sales price of $260,000.
Median Sales Price
$260,000
Per HUD CHUMS, 2026
Conforming 1u Limit
$832,750
Standard conforming
FHA 1u Limit
$690,000
Mid-tier
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)
Mid-tier| 1-unit (single-family) | $690,000 |
| 2-unit (duplex) | $883,300 |
| 3-unit (triplex) | $1,067,750 |
| 4-unit (fourplex) | $1,326,950 |
About this county
About Cayey County
Cayey, officially Cayey de Muesas, is a mountain town and municipality in central Puerto Rico located on the Sierra de Cayey within the Central Mountain range, north east of Salinas and north of Guayama; south of Cidra and Caguas; east of Aibonito and west of San Lorenzo. Cayey is spread over 21 barrios plus Cayey Pueblo. It is part of the San Juan-Caguas-Guaynabo Metropolitan Statistical Area. Read more on Wikipedia →
Population
41,231
U.S. Census ACS 2023
Median Household Income
$28,461
U.S. Census ACS 2023
Median Home Value (Census)
$141,600
Owner-occupied · ACS 2023
Owner-Occupancy Rate
62%
Of occupied housing
What these limits mean for buyers in Cayey County
The 2026 conforming 1-unit limit for Cayey 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. Cayey County uses the standard national conforming baseline.
For FHA financing, the 2026 1-unit limit is $690,000. The HUD CHUMS table pegs the median sales price for Cayey County at $260,000. Cayey 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 Cayey County ($260,000) 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
Cayey 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 Cayey County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.