Massachusetts Loan Limits

2021 Loan Limits

2021 Loan limits in Massachusetts by county. Click on the map or table below to view loan limits for a particular county.

Massachusetts Map

Minimum Loan Limit
Maximum Loan Limit

Massachusetts has 14 counties, with conforming loan limits for a single-family home ranging from $548,250 in Barnstable County to $822,375 in Dukes County.

Massachusetts has 7 counties with standard or low-cost loan limits equal to the national baseline; 2 counties with high-cost loan limits equal to the national ceiling; and 5 counties with mid-range loan limits that are between the baseline and 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 Massachusetts (14)

High-Cost Counties

County Median Home Price Conforming Loan Limit for
Single-Family Home
Dukes County $875,000 $822,375
Nantucket County $1,830,000 $822,375

Mid-Range Counties

County Median Home Price Conforming Loan Limit for
Single-Family Home
Essex County $630,000 $724,500
Middlesex County $630,000 $724,500
Norfolk County $630,000 $724,500
Plymouth County $630,000 $724,500
Suffolk County $630,000 $724,500

Low-Cost Counties

County Median Home Price Conforming Loan Limit for
Single-Family Home
Barnstable County $440,000 $548,250
Berkshire County $228,000 $548,250
Bristol County $440,000 $548,250
Franklin County $290,000 $548,250
Hampden County $290,000 $548,250
Hampshire County $290,000 $548,250
Worcester County $317,000 $548,250

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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 2, 2021