The conforming loan limit explained: where the line is and what crossing it means
High-cost counties
The line, briefly
In counties where local median home values are high, the limit is raised above the baseline, up to a ceiling set as a multiple of the baseline. Alaska, Hawaii, Guam and the U.S. Virgin Islands have their own higher baseline. The result is that the same loan can be conforming in one county and jumbo in the next.
Last reviewed against the primary sources listed below.
Practical tips
- Look up the county, not the city or ZIP code.
- Check the right unit count.
- Confirm the year shown in the table.
Questions about the line
Does my ZIP code determine the limit?
No; limits are set by county or county equivalent.