Massachusetts 2022 FHA Loan Limits

Last Updated: Sun, January 2, 2022

Loan Limits in Massachusetts

Massachusetts has 14 counties with FHA Limits ranging from a low of $420,680 for a 1-bedroom unit in Berkshire County to a high of $1,867,275 for a 4-bedroom unit in Dukes County.

For more details about the loan limits (including FHA Limits, HECM Limits, and Fannie Mae & Freddie Mac loan limits) in any of Massachusetts's counties, choose the county from the interactive map or the list below.

Lowest Loan Limit ($809,150)
Highest Loan Limit ($1,867,275)

† Lowest limit for homes with four living-units. There are lower limits for homes with fewer living-units.

Loan Limits by County in Massachusetts (14 counties)

County Single Unit Limit (lowest) Four-Plex Limit (highest)
Barnstable County $621,000 $1,194,250 view details »
Berkshire County $420,680 $809,150 view details »
Bristol County $592,250 $1,138,950 view details »
Dukes County $970,800 $1,867,275 view details »
Essex County $770,500 $1,481,750 view details »
Franklin County $420,680 $809,150 view details »
Hampden County $420,680 $809,150 view details »
Hampshire County $420,680 $809,150 view details »
Middlesex County $770,500 $1,481,750 view details »
Nantucket County $970,800 $1,867,275 view details »
Norfolk County $770,500 $1,481,750 view details »
Plymouth County $770,500 $1,481,750 view details »
Suffolk County $770,500 $1,481,750 view details »
Worcester County $420,680 $809,150 view details »

How to qualify for an FHA Loan in Massachusetts?

To qualify for an FHA loan in Massachusetts, your home loan must be below the local FHA loan limits in your area. For 2022, the maximum loan limit in Massachusetts is $420,680 for a single-family home and $1,867,275 for a four-plex. Limits varies by county. The minimum loan limit is $5,000.

Loan limits vary by county and home size. In addition to loan limits, to qualify for an FHA loan you must live in the home as your primary residence. If you're purchasing a multi-family home, the monthly Fair Market Rent (FMR) for the property must exceed 1% of the purchase price. FHA loans cannot be used for commercial real estate investment purposes or "flipping" homes in Massachusetts. Additional restricts apply. Click on the Massachusetts map above or the table below to see loan limits in your area.

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