FHA Increases Loan Limits for 2025
The Federal Housing Administration (FHA) has announced its loan limits for 2025. The nationwide rise in median home prices indicates most buyers across the country will see increases.
The FHA floor will increase from $498,257 to $524,225 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 $1,149,825 to $1,209,750 for a single-family property. The ceiling rises even higher to $1,814,625 in Alaska, Hawaii, Guam and the U.S. Virgin Islands.
The following table lists the 2024 FHA loan limits for low- and high-cost areas:
| Property Size | Low-Cost Area “Floor” | High-Cost Area “Ceiling” | Alaska, Hawaii, Guam, and U.S. Virgin Islands “Ceiling”1 |
| One Unit | $524,225 | $1,209,750 | $1,814,625 |
| Two Units | $671,200 | $1,548,975 | $2,323,450 |
| Three Units | $811,275 | $1,872,225 | $2,808,325 |
| Four Units | $1,008,300 | $2,326,875 | $3,490,300 |
The new loan limits will apply to all loans assigned FHA case numbers on or after Jan. 1, 2025. The 2025 FHA loan limits by Metropolitan Statistical Area (MSA) or county can be reviewed on FHA’s loan limits page.
FHA also increased the loan limits for its Home Equity Conversion Mortgage (HECM), or reverse mortgage program, to $1,209,750 effective Jan. 1, 2025. 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.
View the HUD press release for more details.
1Mortgage 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.
Latest from NAHBNow
Sponsored Content
Jan 30, 2026
What 700+ Real Estate Pros Say About Marketing in 2026 and Where Builders Are Losing GroundHeading into 2026, businesses across real estate are planning for growth — but with caution. Results from a recent survey point to a clear shift: while marketing investment is holding strong, the biggest opportunity – and risk – now sits in responsiveness and follow-up.
Land Development
Jan 30, 2026
How Can Density and Varying Housing Types Influence Local Tax Bases?Developed in partnership with Urban3, NAHB’s new Value of Land Use Efficiency video and infographic resource takes a data-driven look at how a wide range of residential development types contribute to local tax bases relative to the public services they require.
Latest Economic News
Economics
Jan 30, 2026
Bathroom Remodeling Is Most Common Project in 2025Every quarter, the National Association of Home Builders (NAHB) conducts a survey of professional remodelers. The first part of the survey collects the information required to produce the NAHB/Westlake Royal Remodeling Market Index (RMI).
Economics
Jan 29, 2026
Saving Rate Falls to 3.5% in NovemberPersonal income rose 0.3% in November 2025, following a 0.1% increase in October, according to the latest data from the Bureau of Economic Analysis. Gains were largely driven by higher wages and dividend income. However, income growth has cooled noticeably from peaking at a monthly increase of 1.1% in July 2022 to 0.3% now.
Economics
Jan 28, 2026
Holding Pattern for the FedThe Fed paused its easing cycle at the conclusion of the January meeting of the Federal Open Market Committee, the central bank’s monetary policy body. The Fed held the short-term federal funds rate at a top rate of 3.75%, the level set in December. This marked the first policy pause since the Fed resumed easing in September of last year.