2026 loan limits in Essex County, Massachusetts
In Essex County, a conventional loan up to $962,550 on a one-unit home is conforming. Above that it’s a jumbo loan. FHA loans can go up to $962,550.
Conforming limit (1 unit)$962,550High-cost county
FHA limit (1 unit)$962,550High-cost county
Highest price, 20% down, conforming$1,203,188Loan at the limit
Highest price, 3.5% down, FHA$997,461Loan at the limit
2026 limits by number of units
| Property | Conforming | FHA |
|---|---|---|
| 1 unit | $962,550 | $962,550 |
| 2 units | $1,232,250 | $1,232,250 |
| 3 units | $1,489,500 | $1,489,500 |
| 4 units | $1,851,100 | $1,851,100 |
What the limits mean for your purchase
The limit applies to the loan amount, not the price. With 20% down you could buy up to about $1,203,188 in Essex County and stay conforming; with 10% down, about $1,069,500. Loans above the limit are jumbo loans, which usually need a higher credit score and more savings. With FHA’s 3.5% minimum down payment, the highest price at the limit is about $997,461.
Questions
What is the 2026 conforming loan limit in Essex County?
$962,550 for a one-unit home.
What is the 2026 FHA loan limit in Essex County?
$962,550 for a one-unit home.
More for Essex County
Essex County property taxesFHA loan limits toolMassachusetts closing costsAmesbury 01913 market dataAndover 01810 market dataBeverly 01915 market dataBoxford 01921 market dataByfield 01922 market dataDanvers 01923 market dataEssex 01929 market dataGeorgetown 01833 market dataGloucester 01930 market dataGroveland 01834 market data
2026 limits from HUD’s county files (Boston-Cambridge-Newton, Ma-Nh). Conforming limits are set by the Federal Housing Finance Agency.