Loan Limits / Puerto Rico / Maricao County
2026 Loan Limits · Puerto Rico · NON-METRO
Maricao County, PR.
2026 conforming and FHA loan limits, calibrated to a median sales price of $139,000.
Median Sales Price
$139,000
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 Maricao County
Maricao is a town and the second-least populous municipality of Puerto Rico; it is located at the western edge of the Cordillera Central. It is a small town set around a small square in hilly terrain, north of San Germán, Sabana Grande and Yauco; south of Las Marías and Lares, southeast of Mayagüez, and west of Adjuntas. Maricao has 7 barrios including Maricao Pueblo. Read more on Wikipedia →
Population
5,176
U.S. Census ACS 2023
Median Household Income
$20,541
U.S. Census ACS 2023
Median Home Value (Census)
$103,800
Owner-occupied · ACS 2023
Owner-Occupancy Rate
76%
Of occupied housing
What these limits mean for buyers in Maricao County
The 2026 conforming 1-unit limit for Maricao 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. Maricao 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 Maricao County at $139,000. This matches the FHA national floor — Maricao County did not qualify for an upward adjustment for 2026.
Practical takeaway. The median sales price in Maricao County ($139,000) 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
Maricao 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 Maricao County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.