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2026 Michigan loan limits by county
Michigan has 83 counties in the 2026 FHFA list. The highest one-unit conforming limit is $832,750 in Wexford County; the state median is $832,750. 0 of 83 are above the $832,750 national baseline. 83 sit at the 2026 FHA floor of $541,287.
- 83Counties listed
- $832,750Highest 1-unit conformingWexford County
- $832,750Median 1-unit conforming
- 83At FHA floorof 83
| County | Conforming 1-unit 2026 | Change vs 2025 | FHA 1-unit 2026 | Conforming 4-unit 2026 |
|---|---|---|---|---|
| Alcona County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Alger County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Allegan County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Alpena County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Antrim County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Arenac County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Baraga County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Barry County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Bay County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Benzie County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Berrien County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Branch County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Calhoun County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Cass County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Charlevoix County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Cheboygan County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Chippewa County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Clare County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Clinton County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Crawford County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Delta County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Dickinson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Eaton County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Emmet County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Genesee County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Gladwin County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Gogebic County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Grand Traverse County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Gratiot County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Hillsdale County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Houghton County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Huron County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Ingham County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Ionia County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Iosco County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Iron County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Isabella County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Jackson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Kalamazoo County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Kalkaska County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Kent County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Keweenaw County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lake County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lapeer County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Leelanau County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lenawee County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Livingston County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Luce County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Mackinac County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Macomb County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Manistee County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Marquette County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Mason County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Mecosta County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Menominee County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Midland County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Missaukee County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Monroe County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Montcalm County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Montmorency County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Muskegon County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Newaygo County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Oakland County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Oceana County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Ogemaw County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Ontonagon County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Osceola County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Oscoda County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Otsego County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Ottawa County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Presque Isle County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Roscommon County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Saginaw County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Sanilac County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Schoolcraft County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Shiawassee County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| St. Clair County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| St. Joseph County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Tuscola County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Van Buren County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Washtenaw County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Wayne County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Wexford County | $832,750 | +$26,250 (+3.3%) | $541,287 | $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.