Loan Limits / Vermont / Chittenden County
2026 Loan Limits · Vermont · BURLINGTON-SOUTH BURLINGTON, VT
Chittenden County, VT.
2026 conforming and FHA loan limits, calibrated to a median sales price of $499,000.
Median Sales Price
$499,000
Per HUD CHUMS, 2026
Conforming 1u Limit
$832,750
Standard conforming
FHA 1u Limit
$575,000
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) | $575,000 |
| 2-unit (duplex) | $736,100 |
| 3-unit (triplex) | $889,800 |
| 4-unit (fourplex) | $1,105,800 |
About this county
About Chittenden County
Chittenden County is the most populous county in the U.S. state of Vermont. As of the 2020 census, its population was 168,323. The county seat is Vermont's most populous municipality, the city of Burlington. The county has over a quarter of Vermont's population and more than twice the population of Vermont's second-most populous county, Rutland. The county also has more than twice the population density of Vermont's second-most dense county, Washington. The county is named for Vermont's first governor and one of the framers of its constitution as an independent republic and later U.S. state, Thomas Chittenden. Read more on Wikipedia →
Population
168,831
U.S. Census ACS 2023
Median Household Income
$94,310
U.S. Census ACS 2023
Median Home Value (Census)
$404,500
Owner-occupied · ACS 2023
Owner-Occupancy Rate
64%
Of occupied housing
What these limits mean for buyers in Chittenden County
The 2026 conforming 1-unit limit for Chittenden 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. Chittenden County uses the standard national conforming baseline.
For FHA financing, the 2026 1-unit limit is $575,000. The HUD CHUMS table pegs the median sales price for Chittenden County at $499,000. Chittenden 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 Chittenden County ($499,000) 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
Chittenden 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 Chittenden County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.