Loan Limits / Puerto Rico / Ponce County
2026 Loan Limits · Puerto Rico · PONCE, PR
Ponce County, PR.
2026 conforming and FHA loan limits, calibrated to a median sales price of $157,000.
Median Sales Price
$157,000
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 Ponce County
Ponce is a city and a municipality on the southern coast of Puerto Rico. The most populated city outside the San Juan metropolitan area, Ponce was founded on August 12, 1692 and is named after Juan Ponce de León y Loayza, the great-grandson of Spanish conquistador Juan Ponce de León. Ponce is often referred to as La Perla del Sur, La Ciudad Señorial, and La Ciudad de las Quenepas. Read more on Wikipedia →
Population
134,676
U.S. Census ACS 2023
Median Household Income
$18,827
U.S. Census ACS 2023
Median Home Value (Census)
$108,200
Owner-occupied · ACS 2023
Owner-Occupancy Rate
68%
Of occupied housing
What these limits mean for buyers in Ponce County
The 2026 conforming 1-unit limit for Ponce 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. Ponce 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 Ponce County at $157,000. This matches the FHA national floor — Ponce County did not qualify for an upward adjustment for 2026.
Practical takeaway. The median sales price in Ponce County ($157,000) 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
Ponce 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 Ponce County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.