Massachusetts 2021 FHA Loan Limits

Last Updated: Sat, January 2, 2021

Loan Limits in Massachusetts

Massachusetts has 14 counties with FHA Limits ranging from a low of $356,362 for a 1-bedroom unit in Berkshire County to a high of $1,581,750 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 ($685,400)
Highest Loan Limit ($1,581,750)

† 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 $506,000 $973,100 view details »
Berkshire County $356,362 $685,400 view details »
Bristol County $506,000 $973,100 view details »
Dukes County $822,375 $1,581,750 view details »
Essex County $724,500 $1,393,300 view details »
Franklin County $356,362 $685,400 view details »
Hampden County $356,362 $685,400 view details »
Hampshire County $356,362 $685,400 view details »
Middlesex County $724,500 $1,393,300 view details »
Nantucket County $822,375 $1,581,750 view details »
Norfolk County $724,500 $1,393,300 view details »
Plymouth County $724,500 $1,393,300 view details »
Suffolk County $724,500 $1,393,300 view details »
Worcester County $364,550 $701,050 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 2021, the maximum loan limit in Massachusetts is $356,362 for a single-family home and $1,581,750 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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