2025 FHA loan limits by county

The maximum FHA-insured mortgage in every major US county for case numbers assigned in 2025. National 1-unit floor: $524225. National 1-unit ceiling: $1209750. Source: HUD Mortgagee Letter 2024-21.

Alabama

Jefferson County

$524,225 (1-unit)

$524,225 (1-unit)

$524,225 (1-unit)

Montgomery County

$524,225 (1-unit)

$524,225 (1-unit)

Tuscaloosa County

$524,225 (1-unit)

Alaska

Anchorage Municipality

$599,300 (1-unit)

Fairbanks North Star Borough

$599,300 (1-unit)

$763,600 (1-unit)

Matanuska-Susitna Borough

$599,300 (1-unit)

Arizona

Coconino County

$631,250 (1-unit)

Maricopa County

$588,500 (1-unit)

$524,225 (1-unit)

$588,500 (1-unit)

$524,225 (1-unit)

Arkansas

$524,225 (1-unit)

$524,225 (1-unit)

Washington County

$524,225 (1-unit)

California

$1,209,750 (1-unit)

Contra Costa County

$1,209,750 (1-unit)

El Dorado County

$763,600 (1-unit)

$524,225 (1-unit)

$524,225 (1-unit)

Los Angeles County

$1,209,750 (1-unit)

$1,209,750 (1-unit)

Monterey County

$942,250 (1-unit)

$1,017,750 (1-unit)

$1,209,750 (1-unit)

$763,600 (1-unit)

Riverside County

$644,000 (1-unit)

Sacramento County

$763,600 (1-unit)

San Benito County

$1,209,750 (1-unit)

San Bernardino County

$644,000 (1-unit)

San Diego County

$1,077,550 (1-unit)

San Francisco County

$1,209,750 (1-unit)

San Joaquin County

$524,225 (1-unit)

San Luis Obispo County

$950,000 (1-unit)

San Mateo County

$1,209,750 (1-unit)

Santa Barbara County

$920,900 (1-unit)

Santa Clara County

$1,209,750 (1-unit)

Santa Cruz County

$1,209,750 (1-unit)

$763,600 (1-unit)

$877,450 (1-unit)

Stanislaus County

$524,225 (1-unit)

$524,225 (1-unit)

$1,017,750 (1-unit)

$763,600 (1-unit)

Colorado

$833,200 (1-unit)

Arapahoe County

$833,200 (1-unit)

$856,950 (1-unit)

$833,200 (1-unit)

$833,200 (1-unit)

$1,209,750 (1-unit)

$632,000 (1-unit)

Garfield County

$1,149,375 (1-unit)

Jefferson County

$833,200 (1-unit)

$728,100 (1-unit)

$1,209,750 (1-unit)

$1,149,375 (1-unit)

San Miguel County

$1,209,750 (1-unit)

$1,209,750 (1-unit)

$833,200 (1-unit)

Connecticut

Fairfield County

$805,000 (1-unit)

Hartford County

$524,225 (1-unit)

Litchfield County

$524,225 (1-unit)

Middlesex County

$524,225 (1-unit)

New Haven County

$524,225 (1-unit)

New London County

$524,225 (1-unit)

$524,225 (1-unit)

$524,225 (1-unit)

Delaware

$524,225 (1-unit)

New Castle County

$524,225 (1-unit)

$524,225 (1-unit)

District of Columbia

District of Columbia

$1,209,750 (1-unit)

Florida

$524,225 (1-unit)

$575,000 (1-unit)

$524,225 (1-unit)

$690,000 (1-unit)

$524,225 (1-unit)

$730,750 (1-unit)

$524,225 (1-unit)

Escambia County

$524,225 (1-unit)

Hillsborough County

$524,225 (1-unit)

Indian River County

$524,225 (1-unit)

$524,225 (1-unit)

$524,225 (1-unit)

$524,225 (1-unit)

$555,000 (1-unit)

$690,000 (1-unit)

Miami-Dade County

$690,000 (1-unit)

$967,950 (1-unit)

$524,225 (1-unit)

Okaloosa County

$671,100 (1-unit)

$524,225 (1-unit)

$524,225 (1-unit)

Palm Beach County

$690,000 (1-unit)

$524,225 (1-unit)

Pinellas County

$524,225 (1-unit)

$524,225 (1-unit)

Santa Rosa County

$524,225 (1-unit)

Sarasota County

$555,000 (1-unit)

Seminole County

$524,225 (1-unit)

St. Johns County

$524,225 (1-unit)

St. Lucie County

$690,000 (1-unit)

$524,225 (1-unit)

$805,000 (1-unit)

Georgia

$524,225 (1-unit)

Cherokee County

$524,225 (1-unit)

$524,225 (1-unit)

$524,225 (1-unit)

$524,225 (1-unit)

$524,225 (1-unit)

$524,225 (1-unit)

Gwinnett County

$524,225 (1-unit)

$524,225 (1-unit)

Hawaii

$814,500 (1-unit)

Honolulu County

$1,149,825 (1-unit)

$1,149,825 (1-unit)

$1,149,825 (1-unit)

Idaho

$597,100 (1-unit)

$1,043,250 (1-unit)

$597,100 (1-unit)

Kootenai County

$524,225 (1-unit)

$1,043,250 (1-unit)

Illinois

$524,225 (1-unit)

$524,225 (1-unit)

$524,225 (1-unit)

$524,225 (1-unit)

$524,225 (1-unit)

$524,225 (1-unit)

Indiana

$524,225 (1-unit)

Hamilton County

$524,225 (1-unit)

$524,225 (1-unit)

$524,225 (1-unit)

St. Joseph County

$524,225 (1-unit)

Iowa

$524,225 (1-unit)

$524,225 (1-unit)

$524,225 (1-unit)

$524,225 (1-unit)

Kansas

$524,225 (1-unit)

Sedgwick County

$524,225 (1-unit)

Wyandotte County

$524,225 (1-unit)

Kentucky

$524,225 (1-unit)

Jefferson County

$524,225 (1-unit)

$524,225 (1-unit)

Louisiana

$524,225 (1-unit)

East Baton Rouge Parish

$524,225 (1-unit)

Jefferson Parish

$524,225 (1-unit)

Lafayette Parish

$524,225 (1-unit)

$524,225 (1-unit)

Maine

Cumberland County

$638,400 (1-unit)

Sagadahoc County

$638,400 (1-unit)

$638,400 (1-unit)

Maryland

Anne Arundel County

$1,209,750 (1-unit)

$760,750 (1-unit)

Baltimore County

$760,750 (1-unit)

$1,209,750 (1-unit)

$1,209,750 (1-unit)

Frederick County

$1,209,750 (1-unit)

$1,209,750 (1-unit)

Montgomery County

$1,209,750 (1-unit)

Prince George's County

$1,209,750 (1-unit)

Massachusetts

Barnstable County

$575,000 (1-unit)

$552,500 (1-unit)

$1,209,750 (1-unit)

$1,209,750 (1-unit)

$524,225 (1-unit)

Middlesex County

$1,209,750 (1-unit)

Nantucket County

$1,209,750 (1-unit)

$1,209,750 (1-unit)

Plymouth County

$1,209,750 (1-unit)

$1,209,750 (1-unit)

Worcester County

$524,225 (1-unit)

Michigan

$524,225 (1-unit)

$524,225 (1-unit)

$524,225 (1-unit)

$524,225 (1-unit)

$524,225 (1-unit)

Washtenaw County

$524,225 (1-unit)

$524,225 (1-unit)

Minnesota

$524,225 (1-unit)

$524,225 (1-unit)

Hennepin County

$524,225 (1-unit)

$524,225 (1-unit)

Washington County

$524,225 (1-unit)

Mississippi

$524,225 (1-unit)

Harrison County

$524,225 (1-unit)

$524,225 (1-unit)

Missouri

$524,225 (1-unit)

$524,225 (1-unit)

$524,225 (1-unit)

St. Charles County

$524,225 (1-unit)

St. Louis County

$524,225 (1-unit)

Montana

Flathead County

$727,450 (1-unit)

Gallatin County

$977,500 (1-unit)

Missoula County

$624,750 (1-unit)

Yellowstone County

$524,225 (1-unit)

Nebraska

$524,225 (1-unit)

Lancaster County

$524,225 (1-unit)

$524,225 (1-unit)

Nevada

$524,225 (1-unit)

$956,200 (1-unit)

$681,700 (1-unit)

New Hampshire

Hillsborough County

$524,225 (1-unit)

Merrimack County

$524,225 (1-unit)

Rockingham County

$1,209,750 (1-unit)

Strafford County

$1,209,750 (1-unit)

New Jersey

Atlantic County

$524,225 (1-unit)

$1,209,750 (1-unit)

Burlington County

$524,225 (1-unit)

$524,225 (1-unit)

$1,209,750 (1-unit)

Gloucester County

$524,225 (1-unit)

$1,209,750 (1-unit)

Hunterdon County

$1,209,750 (1-unit)

$1,209,750 (1-unit)

Middlesex County

$1,209,750 (1-unit)

Monmouth County

$1,209,750 (1-unit)

$1,209,750 (1-unit)

$1,209,750 (1-unit)

$1,209,750 (1-unit)

Somerset County

$1,209,750 (1-unit)

$1,209,750 (1-unit)

$1,209,750 (1-unit)

$1,209,750 (1-unit)

New Mexico

Bernalillo County

$524,225 (1-unit)

Doña Ana County

$524,225 (1-unit)

Santa Fe County

$660,450 (1-unit)

New York

$524,225 (1-unit)

$1,209,750 (1-unit)

Dutchess County

$644,000 (1-unit)

$524,225 (1-unit)

$1,209,750 (1-unit)

$524,225 (1-unit)

$1,209,750 (1-unit)

New York County

$1,209,750 (1-unit)

$524,225 (1-unit)

Onondaga County

$524,225 (1-unit)

$644,000 (1-unit)

$1,209,750 (1-unit)

$1,209,750 (1-unit)

Richmond County

$1,209,750 (1-unit)

Rockland County

$1,209,750 (1-unit)

Saratoga County

$524,225 (1-unit)

$1,209,750 (1-unit)

Westchester County

$1,209,750 (1-unit)

North Carolina

Buncombe County

$524,225 (1-unit)

Cumberland County

$524,225 (1-unit)

$524,225 (1-unit)

$524,225 (1-unit)

Guilford County

$524,225 (1-unit)

Mecklenburg County

$524,225 (1-unit)

New Hanover County

$524,225 (1-unit)

$524,225 (1-unit)

$524,225 (1-unit)

North Dakota

Burleigh County

$524,225 (1-unit)

$524,225 (1-unit)

Ohio

Cuyahoga County

$524,225 (1-unit)

Franklin County

$524,225 (1-unit)

Hamilton County

$524,225 (1-unit)

$524,225 (1-unit)

Montgomery County

$524,225 (1-unit)

$524,225 (1-unit)

$524,225 (1-unit)

Oklahoma

Cleveland County

$524,225 (1-unit)

Oklahoma County

$524,225 (1-unit)

$524,225 (1-unit)

Oregon

Clackamas County

$763,600 (1-unit)

Deschutes County

$690,000 (1-unit)

Hood River County

$791,750 (1-unit)

$524,225 (1-unit)

$524,225 (1-unit)

$524,225 (1-unit)

Multnomah County

$763,600 (1-unit)

Washington County

$763,600 (1-unit)

Pennsylvania

Allegheny County

$524,225 (1-unit)

$524,225 (1-unit)

$524,225 (1-unit)

Delaware County

$524,225 (1-unit)

Lancaster County

$524,225 (1-unit)

Montgomery County

$524,225 (1-unit)

Philadelphia County

$524,225 (1-unit)

$524,225 (1-unit)

Rhode Island

$552,500 (1-unit)

$1,209,750 (1-unit)

Providence County

$552,500 (1-unit)

Washington County

$552,500 (1-unit)

South Carolina

Charleston County

$524,225 (1-unit)

Greenville County

$524,225 (1-unit)

$524,225 (1-unit)

Lexington County

$524,225 (1-unit)

Richland County

$524,225 (1-unit)

Spartanburg County

$524,225 (1-unit)

$524,225 (1-unit)

South Dakota

Minnehaha County

$524,225 (1-unit)

Pennington County

$524,225 (1-unit)

Tennessee

Davidson County

$627,000 (1-unit)

Hamilton County

$524,225 (1-unit)

$524,225 (1-unit)

Rutherford County

$627,000 (1-unit)

$524,225 (1-unit)

$627,000 (1-unit)

Williamson County

$943,000 (1-unit)

Texas

$524,225 (1-unit)

$524,225 (1-unit)

Brazoria County

$524,225 (1-unit)

$524,225 (1-unit)

$524,225 (1-unit)

$524,225 (1-unit)

$524,225 (1-unit)

Fort Bend County

$524,225 (1-unit)

Galveston County

$524,225 (1-unit)

$524,225 (1-unit)

$524,225 (1-unit)

$524,225 (1-unit)

Montgomery County

$524,225 (1-unit)

$524,225 (1-unit)

$524,225 (1-unit)

$571,550 (1-unit)

Williamson County

$571,550 (1-unit)

Utah

$717,900 (1-unit)

Salt Lake County

$717,900 (1-unit)

$1,209,750 (1-unit)

$717,900 (1-unit)

$1,209,750 (1-unit)

Washington County

$718,750 (1-unit)

$717,900 (1-unit)

Vermont

Chittenden County

$524,225 (1-unit)

Virginia

Alexandria City

$1,209,750 (1-unit)

Arlington County

$1,209,750 (1-unit)

Chesapeake City

$547,400 (1-unit)

Chesterfield County

$524,225 (1-unit)

$1,209,750 (1-unit)

$1,209,750 (1-unit)

Falls Church City

$1,209,750 (1-unit)

Fauquier County

$1,209,750 (1-unit)

$524,225 (1-unit)

$1,209,750 (1-unit)

$547,400 (1-unit)

Prince William County

$1,209,750 (1-unit)

Spotsylvania County

$1,209,750 (1-unit)

Stafford County

$1,209,750 (1-unit)

Virginia Beach City

$547,400 (1-unit)

Washington

$763,600 (1-unit)

Jefferson County

$656,050 (1-unit)

$977,500 (1-unit)

$690,750 (1-unit)

$977,500 (1-unit)

San Juan County

$977,500 (1-unit)

Snohomish County

$977,500 (1-unit)

$524,225 (1-unit)

Thurston County

$600,875 (1-unit)

$657,800 (1-unit)

West Virginia

$524,225 (1-unit)

Monongalia County

$524,225 (1-unit)

Wisconsin

$524,225 (1-unit)

Milwaukee County

$524,225 (1-unit)

Waukesha County

$524,225 (1-unit)

Wyoming

$1,209,750 (1-unit)