2026 Conforming Loan Limits in Massachusetts

Name: 2026 Conforming Loan Limits in Massachusetts
Creator: Federal Housing Finance Agency

Massachusetts has 14 counties with conforming loan limits, including 7 high-cost areas. Limits range from $832,750 to $1,249,125.

County	1-Unit Limit	2-Unit Limit	3-Unit Limit	4-Unit Limit
DUKES COUNTYHigh-Cost	$1,249,125	$1,599,375	$1,933,200	$2,402,625
NANTUCKET COUNTYHigh-Cost	$1,249,125	$1,599,375	$1,933,200	$2,402,625
PLYMOUTH COUNTYHigh-Cost	$962,550	$1,232,250	$1,489,500	$1,851,100
SUFFOLK COUNTYHigh-Cost	$962,550	$1,232,250	$1,489,500	$1,851,100
ESSEX COUNTYHigh-Cost	$962,550	$1,232,250	$1,489,500	$1,851,100
NORFOLK COUNTYHigh-Cost	$962,550	$1,232,250	$1,489,500	$1,851,100
MIDDLESEX COUNTYHigh-Cost	$962,550	$1,232,250	$1,489,500	$1,851,100
WORCESTER COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
BERKSHIRE COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
BRISTOL COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
FRANKLIN COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
HAMPDEN COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
HAMPSHIRE COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
BARNSTABLE COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750

Source: Federal Housing Finance Agency (FHFA). Sorted by 1-unit limit descending. High-cost areas highlighted.

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Loan limits are set by the FHFA and may change annually. This page is for educational purposes only. Consult a licensed mortgage professional for guidance. Wirly is not a lender or mortgage broker.