FHA Mortgage Loan Limits Rise in 2023

Starting Jan. 1, 2023, the Department of Housing and Urban Development (HUD) is increasing FHA loan limits in 3,222 counties (12 counties will remain the same limits as set for 2022). In Washington DC, limits will exceed $1M.

Here’s a complete list of 2023 FHA loan limits. Search your local FHA loan limits with this tool.

Property Size Low-Cost Area  High-Cost Area  Alaska, Hawaii, Guam, U.S. Virgin Islands1
One Unit $472,030 $1,089,300 $1,633,950
Two Units $604,400 $1,394,775 $2,092,150
Three Units $730,525 $1,685,850 $2,528,775
Four Units $907,900 $2,095,200 $3,142,800

State/County Name

1 Family

2 Family

3 Family

4 Family






Mortgage limits for the special exception areas of Alaska, Hawaii, Guam, and the U.S. Virgin Islands are adjusted by FHA to account for higher costs of construction. Source: HUD.gov 

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