December 12, 2025 – Washington, D.C. – Source: Federal Housing Finance Agency (FHFA)
The Federal Housing Finance Agency (FHFA) has announced new conforming loan limit values (CLLs) for 2026, reflecting continued growth in home prices across most of the United States. These limits determine the maximum loan sizes Fannie Mae and Freddie Mac can purchase from lenders each year.
Beginning in 2026, the baseline limit for one-unit properties will increase to $832,750, up $26,250 from 2025. The adjustment is based on annual changes in the national average home price, as required by the Housing and Economic Recovery Act (HERA).
National Baseline Adjustment
Each year, FHFA updates conforming loan limits to align with home price trends measured through the FHFA House Price Index® (HPI). The agency’s third-quarter 2025 HPI report shows that home values rose an average of 3.26% from the third quarter of 2024 to the same period in 2025. The 2026 baseline limit reflects that same percentage increase.
High-Cost Area Limits
In high-cost markets where 115% of the local median home value exceeds the national baseline, higher loan limits will apply. For 2026, the ceiling for one-unit properties in these areas will be $1,249,125, which represents 150% of the new baseline. Median home prices rose in many of these regions throughout 2025, resulting in higher conforming limits for the year ahead.
U.S. Territories
Special provisions set different loan limits for Alaska, Hawaii, Guam, and the U.S. Virgin Islands. In these areas, the baseline and ceiling limits for one-unit homes will be $1,249,125 and $1,873,675, respectively.
Impact for Homebuyers
Rising conforming loan limits can make it easier for borrowers to secure financing through conventional loan programs—without crossing into jumbo territory. According to the FHFA, the new 2026 limits will rise in nearly every U.S. county, with only 32 exceptions.
Other Resources
- List of 2026 conforming loan limits for all counties and county-equivalent areas in the United States.
- A map showing the 2026 conforming loan limits across the United States.
- Detailed addendum of the methodology used to determine the conforming loan limits.
- List of FAQs that covers broader topics that may be related to CLL values.
- Questions about the 2026 CLL values may be addressed to [email protected].
- For more information, visit https://www.fhfa.gov/CLL.
