Find the maximum FHA loan amount for your area in 2025.
FHA loan limits are the maximum mortgage amounts that the Federal Housing Administration will insure. These limits vary by county and are based on median home prices in each area. The Department of Housing and Urban Development (HUD) adjusts these limits annually to reflect changes in housing costs.
For 2025, FHA loan limits range from $472,030 in low-cost areas to $1,089,300 in high-cost areas for single-family homes. Higher limits apply for 2-4 unit properties.
Important: FHA loan limits are updated annually, typically in December for the following year. The limits shown on this page are current for 2025 and were last updated on December 1, 2024.
FHA loan limits fall into three main categories:
The minimum FHA loan limit that applies to areas where 115% of the median home price is less than the floor limit. For 2025, the floor is set at $472,030 for a single-family home.
The maximum FHA loan limit that applies to high-cost areas where 115% of the median home price exceeds the ceiling. For 2025, the ceiling is set at $1,089,300 for a single-family home.
In areas where 115% of the median home price falls between the floor and ceiling, the FHA loan limit is set at 115% of the median home price for the county.
FHA loan limits vary based on the number of units in the property:
Alaska, Hawaii, Guam, and the U.S. Virgin Islands are designated as special exception areas with higher loan limits:
Select your state below to view FHA loan limits for all counties in that state:
These counties have FHA loan limits at or near the ceiling for 2025:
FHA loan limits are determined by the Federal Housing Administration based on the following factors:
The primary factor in determining FHA loan limits is the median home price in each county. The FHA sets the loan limit at 115% of the median home price, subject to the floor and ceiling limits.
FHA loan limits are tied to the conventional loan limits set by the Federal Housing Finance Agency (FHFA) for Fannie Mae and Freddie Mac. The FHA floor is set at 65% of the national conforming loan limit, while the ceiling is set at 150% of the national conforming loan limit.
FHA loan limits are adjusted annually to reflect changes in housing prices. These adjustments are typically announced in December and take effect on January 1 of the following year.
Understanding FHA loan limits is important when planning your home purchase:
Find your county's FHA loan limit by selecting your state from the list above and locating your county on the state page.
If you're purchasing a multi-unit property (2-4 units), be sure to check the appropriate loan limit for that property type.
Use the FHA loan limit as a guide when setting your home buying budget. Remember that you'll need to make a down payment of at least 3.5% of the purchase price (with a credit score of 580 or higher).
If you need to borrow more than the FHA loan limit for your area, you may need to consider other loan options, such as conventional loans or jumbo loans.
Now that you know the FHA loan limits for your area, use our calculators to estimate your monthly payments and determine how much house you can afford.
California has some of the highest FHA loan limits in the country, with many counties at the ceiling limit of $1,089,300 for single-family homes.
View California LimitsTexas has a mix of loan limits, with major metropolitan areas having higher limits than rural counties. Most counties have the floor limit of $472,030.
View Texas LimitsFlorida's FHA loan limits vary significantly by county, with higher limits in areas like Miami-Dade and lower limits in rural counties.
View Florida LimitsNew York has some of the highest FHA loan limits, particularly in New York City and surrounding counties, where limits reach the ceiling.
View New York LimitsWashington state has high FHA loan limits in the Seattle area and surrounding counties, with many at or near the ceiling limit.
View Washington LimitsColorado has varying FHA loan limits, with Denver and resort areas like Aspen having significantly higher limits than other parts of the state.
View Colorado LimitsNow that you know the FHA loan limits for your area, use our calculators to estimate your monthly payments, determine how much house you can afford, and explore your options.
View All Calculators