Massachusetts Loan Limits

2022 Loan Limits

2022 Loan limits in Massachusetts by county. Click on the map below to view loan limits for a particular county.

Massachusetts Map

Minimum Loan Limit
Maximum Loan Limit

Massachusetts has 14 counties, with conforming loan limits for a single-family home ranging from $647,200 in Barnstable County to $970,800 in Dukes County.

Massachusetts has 7 counties with standard or low-cost loan limits equal to the national baseline; 2 counties with high-cost loan limits equal to the national ceiling; and 5 counties with mid-range loan limits that are between the baseline and ceiling.

View the loan limits overview for information on how loan limits are set for each county. Click on the a specific county from the table below for detailed loan limit information.

Counties in Massachusetts (14)

High-Cost Counties
County Median Home Price Conforming Loan Limit for
Single-Family Home
Dukes County $1,050,000 $970,800
Nantucket County $2,034,000 $970,800
Mid-Range Counties
County Median Home Price Conforming Loan Limit for
Single-Family Home
Essex County $670,000 $770,500
Middlesex County $670,000 $770,500
Norfolk County $670,000 $770,500
Plymouth County $670,000 $770,500
Suffolk County $670,000 $770,500
Low-Cost Counties
County Median Home Price Conforming Loan Limit for
Single-Family Home
Barnstable County $540,000 $647,200
Berkshire County $270,000 $647,200
Bristol County $515,000 $647,200
Franklin County $335,000 $647,200
Hampden County $335,000 $647,200
Hampshire County $335,000 $647,200
Worcester County $365,000 $647,200

More on Massachusetts

Want to learn more about Massachusetts? See Fair Market Rents in Massachusetts to view 40th percentile FMRs or click here to find a Public Housing Authority in Massachusetts who can help with finding affordable housing near you.

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Data Source

HUD Seal

FHA Loan limits are published by the HUD. Conforming loan limits are published by Federal Housing Finance Agency (FHFA).

Last updated on January 2, 2022