FHA Increases Loan Limits for 2022
The Federal Housing Administration (FHA) has announced its loan limits for 2022. The nationwide rise in median home prices indicates most buyers across the country will see increases.
The FHA floor will increase from $356,362 to $420,680 for single-family home loans. The floor amount is the lowest the FHA loan limit can be for any area of the country. FHA’s ceiling loan limits, the maximum loan amount the agency will insure, will increase from $822,375 to $970,800 for a single-family property.
The following table lists the 2022 FHA loan limits for low- and high-cost areas:
| Property Size | Low-Cost Area “Floor” | High-Cost Area “Ceiling” |
| One-Unit | $420,680 | $970,800 |
| Two-Units | $538,650 | $1,243,050 |
| Three-Units | $651,050 | $1,502,475 |
| Four-Units | $809,150 | $1,867,275 |
The new loan limits will apply to all loans assigned FHA case numbers on or after Jan. 1, 2022. The 2022 FHA loan limits by Metropolitan Statistical Area (MSA) or county can be reviewed on FHA’s loan limits webpage.
FHA also increased the loan limits for its Home Equity Conversion Mortgage (HECM), or reverse mortgage program, to $970,800. The HECM program regulations do not allow loan limits to vary by MSA or county, so this limit applies to all mortgages regardless of location.
Latest from NAHBNow
Advocacy
Jun 10, 2025
NAHB Urges HUD Secretary to Keep and Fully Fund Key Housing ProgramsNAHB sent a letter to Housing and Urban Development (HUD) Secretary Scott Turner on June 4 underscoring the important role that HUD’s rental assistance and new construction programs play in making housing opportunities available for low-to moderate-income Americans.
Economics | Home Builders Institute
Jun 10, 2025
New Study Reveals Significant Economic Impact of Housing Industry Labor ShortageA landmark study released today from the Home Builders Institute (HBI), in collaboration with NAHB, examines the economic impact of the skilled labor shortage for the single-family home building sector. The findings indicate that the skilled labor shortage’s impact on the residential construction industry is a multibillion-dollar annual challenge that is responsible for the lost production of thousands of newly built homes.
Latest Economic News
Economics
Jun 10, 2025
House Price Appreciation by State and Metro Area: First Quarter 2025House price growth slowed in the first quarter of 2025, partly due to a decline in demand and an increase in supply. Persistent high mortgage rates and increased inventory combined to ease upward pressure on house prices. These factors signaled a cooling market, following rapid gains seen in previous years.
Economics
Jun 09, 2025
AI’s Role in Reshaping Employment: From Theory to Home Building Sector ImpactsThe rapid rise of artificial intelligence (AI), particularly machine learning and generative AI (GenAI), is reshaping industries, creating new economic opportunities, and raising critical questions about its long-term impact on jobs and economic growth.
Economics
Jun 06, 2025
U.S. Economy Added 139,000 Jobs in MayDespite ongoing economic and policy uncertainty, the labor market remains resilient, though early signs of softening are beginning to emerge. Job growth moderated in May, and employment figures for March and April were notably revised downward. The unemployment rate remained at 4.2%.