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2026 Maine loan limits by county
Maine has 16 counties in the 2026 FHFA list. The highest one-unit conforming limit is $832,750 in York County; the state median is $832,750. 0 of 16 are above the $832,750 national baseline. 13 sit at the 2026 FHA floor of $541,287.
- 16Counties listed
- $832,750Highest 1-unit conformingYork County
- $832,750Median 1-unit conforming
- 13At FHA floorof 16
| County | Conforming 1-unit 2026 | Change vs 2025 | FHA 1-unit 2026 | Conforming 4-unit 2026 |
|---|---|---|---|---|
| Androscoggin County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Aroostook County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Cumberland County | $832,750 | +$26,250 (+3.3%) | $615,250 | $1,601,750 |
| Franklin County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Hancock County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Kennebec County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Knox County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lincoln County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Oxford County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Penobscot County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Piscataquis County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Sagadahoc County | $832,750 | +$26,250 (+3.3%) | $615,250 | $1,601,750 |
| Somerset County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Waldo County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Washington County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| York County | $832,750 | +$26,250 (+3.3%) | $615,250 | $1,601,750 |
Sources
- Federal Housing Finance Agency, 2026 Conforming Loan Limit Values, full county list (CSV), file dated November 24, 2025; announced November 25, 2025.
- FHFA 2025 county list (CSV), file dated September 15, 2025.
- U.S. Department of Housing and Urban Development, CY2026 FHA forward mortgage limits file, dated December 10, 2025; Mortgagee Letter 2025-23, December 11, 2025. Search tool: HUD FHA Mortgage Limits.
Figures are copied from the files above without modification. Program rules can change mid-year; confirm with your lender.