Michigan Loan Limits

2025 Loan Limits

2025 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 $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)

Mid-Range Counties
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

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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 5, 2025