Michigan Loan Limits

2022 Loan Limits

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

Michigan Map

Minimum Loan Limit
Maximum Loan Limit

Loan Limits are the same across all of Michigan. The conforming loan limits for a single-family home anywhere in Michigan is $647,200.

Loan limits in Michigan are based on the median home price in each county of Michigan. Based on home prices across the state, all areas in Michigan have loan limits equal to the national loan limit baseline.

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 Michigan (83)

Low-Cost Counties
County Median Home Price Conforming Loan Limit for
Single-Family Home
Alcona County $110,000 $647,200
Alger County $134,000 $647,200
Allegan County $190,000 $647,200
Alpena County $105,000 $647,200
Antrim County $164,000 $647,200
Arenac County $100,000 $647,200
Baraga County $103,000 $647,200
Barry County $175,000 $647,200
Bay County $111,000 $647,200
Benzie County $290,000 $647,200
Berrien County $160,000 $647,200
Branch County $126,000 $647,200
Calhoun County $130,000 $647,200
Cass County $162,000 $647,200
Charlevoix County $215,000 $647,200
Cheboygan County $166,000 $647,200
Chippewa County $124,000 $647,200
Clare County $104,000 $647,200
Clinton County $191,000 $647,200
Crawford County $113,000 $647,200
Delta County $118,000 $647,200
Dickinson County $155,000 $647,200
Eaton County $191,000 $647,200
Emmet County $177,000 $647,200
Genesee County $145,000 $647,200
Gladwin County $112,000 $647,200
Gogebic County $86,000 $647,200
Grand Traverse County $290,000 $647,200
Gratiot County $101,000 $647,200
Hillsdale County $127,000 $647,200
Houghton County $124,000 $647,200
Huron County $119,000 $647,200
Ingham County $191,000 $647,200
Ionia County $250,000 $647,200
Iosco County $97,000 $647,200
Iron County $94,000 $647,200
Isabella County $146,000 $647,200
Jackson County $142,000 $647,200
Kalamazoo County $183,000 $647,200
Kalkaska County $290,000 $647,200
Kent County $250,000 $647,200
Keweenaw County $124,000 $647,200
Lake County $90,000 $647,200
Lapeer County $280,000 $647,200
Leelanau County $290,000 $647,200
Lenawee County $152,000 $647,200
Livingston County $280,000 $647,200
Luce County $95,000 $647,200
Mackinac County $153,000 $647,200
Macomb County $280,000 $647,200
Manistee County $124,000 $647,200
Marquette County $153,000 $647,200
Mason County $131,000 $647,200
Mecosta County $130,000 $647,200
Menominee County $107,000 $647,200
Midland County $145,000 $647,200
Missaukee County $165,000 $647,200
Monroe County $175,000 $647,200
Montcalm County $250,000 $647,200
Montmorency County $115,000 $647,200
Muskegon County $141,000 $647,200
Newaygo County $125,000 $647,200
Oakland County $280,000 $647,200
Oceana County $119,000 $647,200
Ogemaw County $100,000 $647,200
Ontonagon County $87,000 $647,200
Osceola County $133,000 $647,200
Oscoda County $82,000 $647,200
Otsego County $170,000 $647,200
Ottawa County $250,000 $647,200
Presque Isle County $106,000 $647,200
Roscommon County $107,000 $647,200
Saginaw County $111,000 $647,200
St. Clair County $280,000 $647,200
St. Joseph County $135,000 $647,200
Sanilac County $127,000 $647,200
Schoolcraft County $139,000 $647,200
Shiawassee County $191,000 $647,200
Tuscola County $118,000 $647,200
Van Buren County $150,000 $647,200
Washtenaw County $295,000 $647,200
Wayne County $280,000 $647,200
Wexford County $165,000 $647,200

More on Michigan

Want to learn more about Michigan? See Fair Market Rents in Michigan to view 40th percentile FMRs or click here to find a Public Housing Authority in Michigan 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