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Posted on March 16, 2026 by Anthony Bird - Local Michigan
2026 Conventional Loan Limits in Michigan have been put into action, jumping up yet again as home values have continued to increase throughout 2025. The FHFA has officially announced the 2026 Conventional Loan Limits at $832,750 for Single Family Homes.
Each year, the FHFA adjusts the conforming loan limits based on its third quarter House Price Index (HPI). House prices rose in 44 states and the District of Columbia between the third quarter of 2024 and the third quarter of 2025. This report shows a 2.2% increase in home values.
The History of Conventional Loan Limits
The 2025 Conventional loan limit is set at $806,500 for single family homes. Using the rate of appreciation, the FHFA has set the 2024 Conventional Loan Limit at $806,500 for single family homes. This is an increase of $26,250 compared to the previous year. In high-cost areas, loans are capped at $1,249,125 up from $1,149,825 last year which is an increase of $99,300.
For 2025 Conventional loan limits were set at $806,500 for single family homes. Using the rate of appreciation of 4.40% from the Fannie Mae Home Price Index, the new 2025 Conventional Loan Limits in Michigan are now $832,750.
The Federal Housing Finance Agency (FHFA) has issued the conforming loan limit values that will apply to conventional loans to be acquired by us in 2026. The first mortgage conforming loan limit values are defined in terms of baseline loan limits and high-cost area loan limits. The limits are increasing in 2026.
2026 Conventional Loan Limits in Michigan by Property Type:
- One-unit property: $832,750
- Two-unit property: $693,050
- Three-unit property: $837,700
- Four-unit property: $1,041,125
High Costs Area Conventional Loan Limits for 2026
- One-unit property: $1,249,125
- Two-unit property: $1,599,375
- Three-unit property: $1,933,200
- Four-unit property: $2,402,625
In order for these areas to be deemed as high cost, 115% of the local median home value must exceed the baseline loan limit for that county. The high cost loan limited in these areas will increase by 150% of the baseline.
This makes the maximum loan limit for these areas $1,249,125. A map of the U.S. counties and their maximum loan limits using the loan limit map. There are no counties in Michigan that are considered to be a high cost area.
Michigan 2026 Conventional Loan Limits by County
| County Name | State | One Unit Limit | Two Unit Limit | Three Unit Limit | Four Unit Limit |
| Alcona | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Alger | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Allegan | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Alpena | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Antrim | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Arenac | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Baraga | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Barry | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Bay | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Benzie | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Berrien | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Branch | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Calhoun | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Cass | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Charlevoix | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Cheboygan | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Chippewa | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Clare | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Clinton | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Crawford | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Delta | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Dickinson | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Eaton | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Emmet | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Genesee | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Gladwin | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Gogebic | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Grand Traverse | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Gratiot | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Hillsdale | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Houghton | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Huron | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Ingham | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Ionia | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Iosco | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Iron | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Isabella | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Jackson | MI | $647,200 | $693,050 | $837,700 | $1,041,125 |
| Kalamazoo | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Kalkaska | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Kent | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Keweenaw | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Lake | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Lapeer | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Leelanau | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Lenawee | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Livingston | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Luce | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Mackinac | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Macomb | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Manistee | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Marquette | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Mason | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Mecosta | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Menominee | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Midland | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Missaukee | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Monroe | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Montcalm | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Montmorency | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Muskegon | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Newaygo | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Oakland | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Oceana | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Ogemaw | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Ontonagon | MI | $832,750 | $693,050 | $837,700 | $1,244,850 |
| Osceola | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Oscoda | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Otsego | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Ottawa | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Presque Isle | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Roscommon | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Saginaw | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Saint Clair | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Saint Joseph | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Sanilac | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Schoolcraft | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Shiawassee | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Tuscola | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Van Buren | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Washtenaw | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Wayne | MI | $832,750 | $693,050 | $837,700 | $1,041,125 |
| Wexford | MI | $832,750 | $693,050 | $1,001,650 | $1,041,125 |
Apply for a Conventional Home Loan
The majority of all mortgages are conventional loans. Conventional loans offer some of the lower mortgage rates and payments available for buying a home or refinancing. To apply for a Conventional Home Loan call Riverbank Finance today at 1-800-555-2098.
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 2025 CLL values may be addressed to LoanLimitQuestions@fhfa.gov.
- For more information, visit https://www.fhfa.gov/CLL.
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