Michigan Loan Limits

2021 Loan Limits

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

Michigan Map

Minimum Loan Limit
Maximum Loan Limit

Loan Limits are the same across all of Michigan. The conforming loan limits for a single-family home anywhere in Michigan is $548,250.

Loan limits in Michigan are based on the median home price in each county of Michigan. Based on home prices across the state, all areas in Michigan have loan limits equal to the national loan limit baseline.

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 Michigan (83)

Low-Cost Counties

County Median Home Price Conforming Loan Limit for
Single-Family Home
Alcona County $110,000 $548,250
Alger County $134,000 $548,250
Allegan County $175,000 $548,250
Alpena County $105,000 $548,250
Antrim County $164,000 $548,250
Arenac County $100,000 $548,250
Baraga County $103,000 $548,250
Barry County $160,000 $548,250
Bay County $111,000 $548,250
Benzie County $275,000 $548,250
Berrien County $148,000 $548,250
Branch County $115,000 $548,250
Calhoun County $112,000 $548,250
Cass County $160,000 $548,250
Charlevoix County $197,000 $548,250
Cheboygan County $151,000 $548,250
Chippewa County $124,000 $548,250
Clare County $104,000 $548,250
Clinton County $172,000 $548,250
Crawford County $113,000 $548,250
Delta County $118,000 $548,250
Dickinson County $155,000 $548,250
Eaton County $172,000 $548,250
Emmet County $169,000 $548,250
Genesee County $134,000 $548,250
Gladwin County $112,000 $548,250
Gogebic County $86,000 $548,250
Grand Traverse County $275,000 $548,250
Gratiot County $101,000 $548,250
Hillsdale County $115,000 $548,250
Houghton County $124,000 $548,250
Huron County $119,000 $548,250
Ingham County $172,000 $548,250
Ionia County $225,000 $548,250
Iosco County $94,000 $548,250
Iron County $94,000 $548,250
Isabella County $146,000 $548,250
Jackson County $138,000 $548,250
Kalamazoo County $161,000 $548,250
Kalkaska County $275,000 $548,250
Kent County $225,000 $548,250
Keweenaw County $124,000 $548,250
Lake County $90,000 $548,250
Lapeer County $259,000 $548,250
Leelanau County $275,000 $548,250
Lenawee County $145,000 $548,250
Livingston County $259,000 $548,250
Luce County $95,000 $548,250
Mackinac County $153,000 $548,250
Macomb County $259,000 $548,250
Manistee County $124,000 $548,250
Marquette County $139,000 $548,250
Mason County $125,000 $548,250
Mecosta County $126,000 $548,250
Menominee County $107,000 $548,250
Midland County $141,000 $548,250
Missaukee County $124,000 $548,250
Monroe County $163,000 $548,250
Montcalm County $225,000 $548,250
Montmorency County $115,000 $548,250
Muskegon County $124,000 $548,250
Newaygo County $120,000 $548,250
Oakland County $259,000 $548,250
Oceana County $119,000 $548,250
Ogemaw County $100,000 $548,250
Ontonagon County $85,000 $548,250
Osceola County $113,000 $548,250
Oscoda County $82,000 $548,250
Otsego County $156,000 $548,250
Ottawa County $225,000 $548,250
Presque Isle County $106,000 $548,250
Roscommon County $90,000 $548,250
Saginaw County $100,000 $548,250
St. Clair County $259,000 $548,250
St. Joseph County $124,000 $548,250
Sanilac County $109,000 $548,250
Schoolcraft County $132,000 $548,250
Shiawassee County $172,000 $548,250
Tuscola County $111,000 $548,250
Van Buren County $150,000 $548,250
Washtenaw County $271,000 $548,250
Wayne County $259,000 $548,250
Wexford County $124,000 $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