2025 Loan limits in Michigan by county. Click on the map below to view loan limits for a particular county.
Michigan Map
Loan Limits are the same across all of Michigan. The conforming loan limits for a single-family home anywhere in Michigan is $806,500.
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 that fall between the national baseline and the 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 Michigan (83)
| County | Median Home Price | Conforming Loan Limit for Single-Family Home |
|---|---|---|
| Alcona County | $140,000 | $806,500 |
| Alger County | $141,000 | $806,500 |
| Allegan County | $251,000 | $806,500 |
| Alpena County | $130,000 | $806,500 |
| Antrim County | $172,000 | $806,500 |
| Arenac County | $120,000 | $806,500 |
| Baraga County | $120,000 | $806,500 |
| Barry County | $239,000 | $806,500 |
| Bay County | $132,000 | $806,500 |
| Benzie County | $422,000 | $806,500 |
| Berrien County | $193,000 | $806,500 |
| Branch County | $155,000 | $806,500 |
| Calhoun County | $150,000 | $806,500 |
| Cass County | $198,000 | $806,500 |
| Charlevoix County | $395,000 | $806,500 |
| Cheboygan County | $357,000 | $806,500 |
| Chippewa County | $178,000 | $806,500 |
| Clare County | $104,000 | $806,500 |
| Clinton County | $245,000 | $806,500 |
| Crawford County | $139,000 | $806,500 |
| Delta County | $120,000 | $806,500 |
| Dickinson County | $155,000 | $806,500 |
| Eaton County | $245,000 | $806,500 |
| Emmet County | $260,000 | $806,500 |
| Genesee County | $163,000 | $806,500 |
| Gladwin County | $126,000 | $806,500 |
| Gogebic County | $128,000 | $806,500 |
| Grand Traverse County | $422,000 | $806,500 |
| Gratiot County | $133,000 | $806,500 |
| Hillsdale County | $145,000 | $806,500 |
| Houghton County | $139,000 | $806,500 |
| Huron County | $196,000 | $806,500 |
| Ingham County | $245,000 | $806,500 |
| Ionia County | $348,000 | $806,500 |
| Iosco County | $135,000 | $806,500 |
| Iron County | $140,000 | $806,500 |
| Isabella County | $152,000 | $806,500 |
| Jackson County | $170,000 | $806,500 |
| Kalamazoo County | $230,000 | $806,500 |
| Kalkaska County | $422,000 | $806,500 |
| Kent County | $348,000 | $806,500 |
| Keweenaw County | $139,000 | $806,500 |
| Lake County | $207,000 | $806,500 |
| Lapeer County | $338,000 | $806,500 |
| Leelanau County | $422,000 | $806,500 |
| Lenawee County | $181,000 | $806,500 |
| Livingston County | $338,000 | $806,500 |
| Luce County | $153,000 | $806,500 |
| Mackinac County | $224,000 | $806,500 |
| Macomb County | $338,000 | $806,500 |
| Manistee County | $150,000 | $806,500 |
| Marquette County | $185,000 | $806,500 |
| Mason County | $175,000 | $806,500 |
| Mecosta County | $168,000 | $806,500 |
| Menominee County | $128,000 | $806,500 |
| Midland County | $185,000 | $806,500 |
| Missaukee County | $239,000 | $806,500 |
| Monroe County | $212,000 | $806,500 |
| Montcalm County | $348,000 | $806,500 |
| Montmorency County | $115,000 | $806,500 |
| Muskegon County | $180,000 | $806,500 |
| Newaygo County | $241,000 | $806,500 |
| Oakland County | $338,000 | $806,500 |
| Oceana County | $130,000 | $806,500 |
| Ogemaw County | $151,000 | $806,500 |
| Ontonagon County | $87,000 | $806,500 |
| Osceola County | $239,000 | $806,500 |
| Oscoda County | $87,000 | $806,500 |
| Otsego County | $291,000 | $806,500 |
| Ottawa County | $348,000 | $806,500 |
| Presque Isle County | $130,000 | $806,500 |
| Roscommon County | $148,000 | $806,500 |
| Saginaw County | $140,000 | $806,500 |
| St. Clair County | $338,000 | $806,500 |
| St. Joseph County | $160,000 | $806,500 |
| Sanilac County | $153,000 | $806,500 |
| Schoolcraft County | $188,000 | $806,500 |
| Shiawassee County | $245,000 | $806,500 |
| Tuscola County | $140,000 | $806,500 |
| Van Buren County | $181,000 | $806,500 |
| Washtenaw County | $372,000 | $806,500 |
| Wayne County | $338,000 | $806,500 |
| Wexford County | $239,000 | $806,500 |
More on Michigan
- Fair Market Rents to view 40th percentile FMRs in Michigan
- Property Taxes to find Property Taxes in Michigan
- Income Limits to learn more about income assistance in Michigan
- Housing Authorites to find Housing Authorities in Michigan
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Data Source
FHA Loan limits are published by the HUD. Conforming loan limits are published by Federal Housing Finance Agency (FHFA).
Last updated on January 5, 2025