Massachusetts 2025 FHA Loan Limits
Loan Limits in Massachusetts
Massachusetts has 14 counties with FHA Limits ranging from a low of $524,225 for a 1-bedroom unit in Berkshire County to a high of $2,326,875 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.
Highest Loan Limit ($2,326,875)
† 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 | $799,250 | $1,537,050 | view details » |
| Berkshire County | $524,225 | $1,008,300 | view details » |
| Bristol County | $736,000 | $1,415,400 | view details » |
| Dukes County | $1,209,750 | $2,326,875 | view details » |
| Essex County | $914,250 | $1,758,200 | view details » |
| Franklin County | $524,225 | $1,008,300 | view details » |
| Hampden County | $524,225 | $1,008,300 | view details » |
| Hampshire County | $524,225 | $1,008,300 | view details » |
| Middlesex County | $914,250 | $1,758,200 | view details » |
| Nantucket County | $1,209,750 | $2,326,875 | view details » |
| Norfolk County | $914,250 | $1,758,200 | view details » |
| Plymouth County | $914,250 | $1,758,200 | view details » |
| Suffolk County | $914,250 | $1,758,200 | view details » |
| Worcester County | $524,225 | $1,008,300 | 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 2025, the maximum loan limit in Massachusetts is $524,225 for a single-family home and $2,326,875 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.