2026 Loan Limits by County: Nevada and California
FHA and conventional loan limits for all 17 Nevada counties and all 58 California counties, with the VA, USDA, and jumbo rules that follow them. The numbers below come straight from FHFA and HUD and refresh automatically every year, so what you see here is what underwriting uses.
Government-insured, 3.5% down. 2026 floor $541,287, up to $1,249,125 in high-cost counties.
Fannie Mae and Freddie Mac conforming programs. Baseline $832,750, up to $1,249,125 in high-cost counties.
No limit with full entitlement. County conforming limits apply only with partial entitlement.
Anything above the county conforming limit. Art specializes in jumbo for Tahoe and high-value Nevada homes.
No maximum loan amount. Qualification runs on county income limits and rural area eligibility.
Carson City HIGH-COSTFHA $575,000 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $575,000 | $736,100 | $889,800 | $1,105,800 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Churchill CountyFHA $541,287 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Clark CountyFHA $541,287 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Douglas County HIGH-COSTFHA $736,000 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $736,000 | $942,200 | $1,138,900 | $1,415,400 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Elko CountyFHA $541,287 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Esmeralda CountyFHA $541,287 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Eureka CountyFHA $541,287 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Humboldt CountyFHA $541,287 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Lander CountyFHA $541,287 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Lincoln CountyFHA $541,287 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Lyon County HIGH-COSTFHA $638,250 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $638,250 | $817,050 | $987,650 | $1,227,400 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Mineral CountyFHA $541,287 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Nye CountyFHA $541,287 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Pershing CountyFHA $541,287 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Storey County HIGH-COSTFHA $638,250 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $638,250 | $817,050 | $987,650 | $1,227,400 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Washoe County HIGH-COSTFHA $638,250 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $638,250 | $817,050 | $987,650 | $1,227,400 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
White Pine CountyFHA $541,287 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Alameda County HIGH-COSTFHA $1,249,125 · Conv. $1,249,125
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Conventional | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $1,249,125.
Jumbo: Loans above $1,249,125 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Alpine County HIGH-COSTFHA $736,000 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $736,000 | $942,200 | $1,138,900 | $1,415,400 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Amador CountyFHA $541,287 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Butte CountyFHA $541,287 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Calaveras CountyFHA $541,287 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Colusa CountyFHA $541,287 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Contra Costa County HIGH-COSTFHA $1,249,125 · Conv. $1,249,125
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Conventional | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $1,249,125.
Jumbo: Loans above $1,249,125 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Del Norte CountyFHA $541,287 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
El Dorado County HIGH-COSTFHA $764,750 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $764,750 | $979,000 | $1,183,400 | $1,470,700 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Fresno CountyFHA $541,287 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Glenn CountyFHA $541,287 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Humboldt CountyFHA $541,287 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Imperial CountyFHA $541,287 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Inyo CountyFHA $541,287 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Kern CountyFHA $541,287 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Kings CountyFHA $541,287 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Lake CountyFHA $541,287 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Lassen CountyFHA $541,287 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Los Angeles County HIGH-COSTFHA $1,249,125 · Conv. $1,249,125
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Conventional | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $1,249,125.
Jumbo: Loans above $1,249,125 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Madera CountyFHA $541,287 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Marin County HIGH-COSTFHA $1,249,125 · Conv. $1,249,125
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Conventional | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $1,249,125.
Jumbo: Loans above $1,249,125 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Mariposa CountyFHA $541,287 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Mendocino County HIGH-COSTFHA $546,250 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $546,250 | $699,300 | $845,300 | $1,050,500 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Merced CountyFHA $541,287 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Modoc CountyFHA $541,287 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Mono County HIGH-COSTFHA $776,250 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $776,250 | $993,750 | $1,201,200 | $1,492,800 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Monterey County HIGH-COSTFHA $994,750 · Conv. $994,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $994,750 | $1,273,450 | $1,539,350 | $1,913,000 |
| Conventional | $994,750 | $1,273,450 | $1,539,350 | $1,913,000 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $994,750.
Jumbo: Loans above $994,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Napa County HIGH-COSTFHA $1,017,750 · Conv. $1,017,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $1,017,750 | $1,302,900 | $1,574,900 | $1,957,250 |
| Conventional | $1,017,750 | $1,302,900 | $1,574,900 | $1,957,250 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $1,017,750.
Jumbo: Loans above $1,017,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Nevada County HIGH-COSTFHA $649,750 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $649,750 | $831,800 | $1,005,450 | $1,249,550 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Orange County HIGH-COSTFHA $1,249,125 · Conv. $1,249,125
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Conventional | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $1,249,125.
Jumbo: Loans above $1,249,125 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Placer County HIGH-COSTFHA $764,750 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $764,750 | $979,000 | $1,183,400 | $1,470,700 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Plumas CountyFHA $541,287 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Riverside County HIGH-COSTFHA $690,000 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $690,000 | $883,300 | $1,067,750 | $1,326,950 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Sacramento County HIGH-COSTFHA $764,750 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $764,750 | $979,000 | $1,183,400 | $1,470,700 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
San Benito County HIGH-COSTFHA $1,249,125 · Conv. $1,249,125
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Conventional | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $1,249,125.
Jumbo: Loans above $1,249,125 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
San Bernardino County HIGH-COSTFHA $690,000 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $690,000 | $883,300 | $1,067,750 | $1,326,950 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
San Diego County HIGH-COSTFHA $1,104,000 · Conv. $1,104,000
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $1,104,000 | $1,413,350 | $1,708,400 | $2,123,100 |
| Conventional | $1,104,000 | $1,413,350 | $1,708,400 | $2,123,100 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $1,104,000.
Jumbo: Loans above $1,104,000 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
San Francisco County HIGH-COSTFHA $1,249,125 · Conv. $1,249,125
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Conventional | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $1,249,125.
Jumbo: Loans above $1,249,125 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
San Joaquin County HIGH-COSTFHA $678,500 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $678,500 | $868,600 | $1,049,950 | $1,304,850 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
San Luis Obispo County HIGH-COSTFHA $1,000,500 · Conv. $1,000,500
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $1,000,500 | $1,280,850 | $1,548,250 | $1,924,100 |
| Conventional | $1,000,500 | $1,280,850 | $1,548,250 | $1,924,100 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $1,000,500.
Jumbo: Loans above $1,000,500 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
San Mateo County HIGH-COSTFHA $1,249,125 · Conv. $1,249,125
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Conventional | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $1,249,125.
Jumbo: Loans above $1,249,125 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Santa Barbara County HIGH-COSTFHA $941,850 · Conv. $941,850
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $941,850 | $1,205,750 | $1,457,450 | $1,811,300 |
| Conventional | $941,850 | $1,205,750 | $1,457,450 | $1,811,300 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $941,850.
Jumbo: Loans above $941,850 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Santa Clara County HIGH-COSTFHA $1,249,125 · Conv. $1,249,125
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Conventional | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $1,249,125.
Jumbo: Loans above $1,249,125 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Santa Cruz County HIGH-COSTFHA $1,249,125 · Conv. $1,249,125
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Conventional | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $1,249,125.
Jumbo: Loans above $1,249,125 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Shasta CountyFHA $541,287 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Sierra CountyFHA $541,287 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Siskiyou CountyFHA $541,287 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Solano County HIGH-COSTFHA $685,400 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $685,400 | $877,450 | $1,060,600 | $1,318,100 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Sonoma County HIGH-COSTFHA $897,000 · Conv. $897,000
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $897,000 | $1,148,350 | $1,388,050 | $1,725,050 |
| Conventional | $897,000 | $1,148,350 | $1,388,050 | $1,725,050 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $897,000.
Jumbo: Loans above $897,000 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Stanislaus County HIGH-COSTFHA $545,100 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $545,100 | $697,800 | $843,500 | $1,048,300 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Sutter CountyFHA $541,287 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Tehama CountyFHA $541,287 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Trinity CountyFHA $541,287 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Tulare CountyFHA $541,287 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Tuolumne CountyFHA $541,287 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Ventura County HIGH-COSTFHA $1,035,000 · Conv. $1,035,000
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $1,035,000 | $1,325,000 | $1,601,600 | $1,990,450 |
| Conventional | $1,035,000 | $1,325,000 | $1,601,600 | $1,990,450 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $1,035,000.
Jumbo: Loans above $1,035,000 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Yolo County HIGH-COSTFHA $764,750 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $764,750 | $979,000 | $1,183,400 | $1,470,700 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Yuba CountyFHA $541,287 · Conv. $832,750
| Program | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| FHA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Conventional | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.
Jumbo: Loans above $832,750 in this county are jumbo.
USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.
Loan Limit Questions
What is the 2026 conforming loan limit in Nevada?
For 2026, the baseline conforming loan limit for a one-unit home is $832,750. Check the table above for your county; a few high-cost areas can run as high as $1,249,125.
What is the FHA loan limit in Washoe County (Reno and Sparks)?
For 2026, the FHA limit for a one-unit home in Washoe County is $638,250. FHA limits apply by FHA case number assignment date, starting January 1, 2026.
Do VA loans have a loan limit?
With full entitlement, VA loans have had no loan limit since 2020. With partial entitlement, the county conforming limit applies; in Washoe County that number is $832,750 for 2026.
When is a mortgage considered jumbo in Reno or Las Vegas?
A mortgage is jumbo when it exceeds the county conforming limit. In Washoe County, anything above $832,750 is jumbo for 2026. Every county in the table shows its own threshold.
Does USDA have a maximum loan amount?
No. The USDA Guaranteed program has no maximum loan amount. Qualification runs on county household income limits, rural area eligibility, and your ability to repay.
Income limits by Nevada county (2026)
Caps household income at 115 percent of area median. Counts every adult in the household, not only the borrowers.
Cap qualifying income at 80 percent of area median. No rural area map applies.
Uses hard dollar caps set county by county by the Nevada Housing Division.
Important: The 80 percent figure is not simply 80 percent of the county median. HUD applies floors that raise several rural Nevada counties above the arithmetic result, so use the published row rather than a calculation.
Carson CityAMI $91,000 · 80% $82,250
| Measure | 1 | 2 | 3 | 4 |
|---|---|---|---|---|
| 80% (low income) | $57,600 | $65,800 | $74,050 | $82,250 |
| 50% (very low) | $36,000 | $41,100 | $46,300 | $51,400 |
| Measure | 5 | 6 | 7 | 8 |
|---|---|---|---|---|
| 80% (low income) | $88,850 | $95,450 | $102,000 | $108,600 |
HUD area: Carson City, NV MSA
Area median family income: $91,000
Churchill CountyAMI $100,600 · 80% $84,400
| Measure | 1 | 2 | 3 | 4 |
|---|---|---|---|---|
| 80% (low income) | $59,100 | $67,550 | $76,000 | $84,400 |
| 50% (very low) | $36,950 | $42,200 | $47,500 | $52,750 |
| Measure | 5 | 6 | 7 | 8 |
|---|---|---|---|---|
| 80% (low income) | $91,200 | $97,950 | $104,700 | $111,450 |
HUD area: Churchill County, NV
Area median family income: $100,600
Clark CountyAMI $98,200 · 80% $84,400
| Measure | 1 | 2 | 3 | 4 |
|---|---|---|---|---|
| 80% (low income) | $59,100 | $67,550 | $76,000 | $84,400 |
| 50% (very low) | $36,950 | $42,200 | $47,500 | $52,750 |
| Measure | 5 | 6 | 7 | 8 |
|---|---|---|---|---|
| 80% (low income) | $91,200 | $97,950 | $104,700 | $111,450 |
HUD area: Las Vegas-Henderson-North Las Vegas, NV MSA
Area median family income: $98,200
Douglas CountyAMI $111,500 · 80% $89,200
| Measure | 1 | 2 | 3 | 4 |
|---|---|---|---|---|
| 80% (low income) | $62,450 | $71,400 | $80,300 | $89,200 |
| 50% (very low) | $39,050 | $44,600 | $50,200 | $55,750 |
| Measure | 5 | 6 | 7 | 8 |
|---|---|---|---|---|
| 80% (low income) | $96,350 | $103,500 | $110,650 | $117,750 |
HUD area: Douglas County, NV
Area median family income: $111,500
Elko CountyAMI $111,500 · 80% $89,200
| Measure | 1 | 2 | 3 | 4 |
|---|---|---|---|---|
| 80% (low income) | $62,450 | $71,400 | $80,300 | $89,200 |
| 50% (very low) | $39,050 | $44,600 | $50,200 | $55,750 |
| Measure | 5 | 6 | 7 | 8 |
|---|---|---|---|---|
| 80% (low income) | $96,350 | $103,500 | $110,650 | $117,750 |
HUD area: Elko County, NV
Area median family income: $111,500
Esmeralda CountyAMI $116,700 · 80% $91,050
| Measure | 1 | 2 | 3 | 4 |
|---|---|---|---|---|
| 80% (low income) | $63,750 | $72,850 | $81,950 | $91,050 |
| 50% (very low) | $39,850 | $45,500 | $51,250 | $56,900 |
| Measure | 5 | 6 | 7 | 8 |
|---|---|---|---|---|
| 80% (low income) | $98,350 | $105,650 | $112,950 | $120,200 |
HUD area: Esmeralda County, NV
Area median family income: $116,700
Eureka CountyAMI $76,300 · 80% $82,250
| Measure | 1 | 2 | 3 | 4 |
|---|---|---|---|---|
| 80% (low income) | $57,600 | $65,800 | $74,050 | $82,250 |
| 50% (very low) | $36,000 | $41,100 | $46,300 | $51,400 |
| Measure | 5 | 6 | 7 | 8 |
|---|---|---|---|---|
| 80% (low income) | $88,850 | $95,450 | $102,000 | $108,600 |
HUD area: Eureka County, NV
Area median family income: $76,300
Humboldt CountyAMI $96,000 · 80% $84,400
| Measure | 1 | 2 | 3 | 4 |
|---|---|---|---|---|
| 80% (low income) | $59,100 | $67,550 | $76,000 | $84,400 |
| 50% (very low) | $36,950 | $42,200 | $47,500 | $52,750 |
| Measure | 5 | 6 | 7 | 8 |
|---|---|---|---|---|
| 80% (low income) | $91,200 | $97,950 | $104,700 | $111,450 |
HUD area: Humboldt County, NV
Area median family income: $96,000
Lander CountyAMI $101,900 · 80% $84,400
| Measure | 1 | 2 | 3 | 4 |
|---|---|---|---|---|
| 80% (low income) | $59,100 | $67,550 | $76,000 | $84,400 |
| 50% (very low) | $36,950 | $42,200 | $47,500 | $52,750 |
| Measure | 5 | 6 | 7 | 8 |
|---|---|---|---|---|
| 80% (low income) | $91,200 | $97,950 | $104,700 | $111,450 |
HUD area: Lander County, NV
Area median family income: $101,900
Lincoln CountyAMI $98,900 · 80% $83,850
| Measure | 1 | 2 | 3 | 4 |
|---|---|---|---|---|
| 80% (low income) | $58,700 | $67,100 | $75,500 | $83,850 |
| 50% (very low) | $36,700 | $41,950 | $47,150 | $52,400 |
| Measure | 5 | 6 | 7 | 8 |
|---|---|---|---|---|
| 80% (low income) | $90,550 | $97,250 | $104,000 | $110,700 |
HUD area: Lincoln County, NV
Area median family income: $98,900
Lyon CountyAMI $97,800 · 80% $83,200
| Measure | 1 | 2 | 3 | 4 |
|---|---|---|---|---|
| 80% (low income) | $58,250 | $66,600 | $74,900 | $83,200 |
| 50% (very low) | $36,400 | $41,600 | $46,800 | $52,000 |
| Measure | 5 | 6 | 7 | 8 |
|---|---|---|---|---|
| 80% (low income) | $89,900 | $96,550 | $103,200 | $109,850 |
HUD area: Lyon County, NV HUD Metro FMR Area
Area median family income: $97,800
Mineral CountyAMI $67,700 · 80% $82,250
| Measure | 1 | 2 | 3 | 4 |
|---|---|---|---|---|
| 80% (low income) | $57,600 | $65,800 | $74,050 | $82,250 |
| 50% (very low) | $36,000 | $41,100 | $46,300 | $51,400 |
| Measure | 5 | 6 | 7 | 8 |
|---|---|---|---|---|
| 80% (low income) | $88,850 | $95,450 | $102,000 | $108,600 |
HUD area: Mineral County, NV
Area median family income: $67,700
Nye CountyAMI $75,700 · 80% $82,250
| Measure | 1 | 2 | 3 | 4 |
|---|---|---|---|---|
| 80% (low income) | $57,600 | $65,800 | $74,050 | $82,250 |
| 50% (very low) | $36,000 | $41,100 | $46,300 | $51,400 |
| Measure | 5 | 6 | 7 | 8 |
|---|---|---|---|---|
| 80% (low income) | $88,850 | $95,450 | $102,000 | $108,600 |
HUD area: Nye County, NV
Area median family income: $75,700
Pershing CountyAMI $103,500 · 80% $84,400
| Measure | 1 | 2 | 3 | 4 |
|---|---|---|---|---|
| 80% (low income) | $59,100 | $67,550 | $76,000 | $84,400 |
| 50% (very low) | $36,950 | $42,200 | $47,500 | $52,750 |
| Measure | 5 | 6 | 7 | 8 |
|---|---|---|---|---|
| 80% (low income) | $91,200 | $97,950 | $104,700 | $111,450 |
HUD area: Pershing County, NV
Area median family income: $103,500
Storey CountyAMI $116,800 · 80% $93,450
| Measure | 1 | 2 | 3 | 4 |
|---|---|---|---|---|
| 80% (low income) | $65,450 | $74,800 | $84,150 | $93,450 |
| 50% (very low) | $40,900 | $46,750 | $52,600 | $58,400 |
| Measure | 5 | 6 | 7 | 8 |
|---|---|---|---|---|
| 80% (low income) | $100,950 | $108,450 | $115,900 | $123,400 |
HUD area: Reno, NV HUD Metro FMR Area
Area median family income: $116,800
Washoe CountyAMI $116,800 · 80% $93,450
| Measure | 1 | 2 | 3 | 4 |
|---|---|---|---|---|
| 80% (low income) | $65,450 | $74,800 | $84,150 | $93,450 |
| 50% (very low) | $40,900 | $46,750 | $52,600 | $58,400 |
| Measure | 5 | 6 | 7 | 8 |
|---|---|---|---|---|
| 80% (low income) | $100,950 | $108,450 | $115,900 | $123,400 |
HUD area: Reno, NV HUD Metro FMR Area
Area median family income: $116,800
White Pine CountyAMI $106,500 · 80% $85,200
| Measure | 1 | 2 | 3 | 4 |
|---|---|---|---|---|
| 80% (low income) | $59,650 | $68,200 | $76,700 | $85,200 |
| 50% (very low) | $37,300 | $42,600 | $47,950 | $53,250 |
| Measure | 5 | 6 | 7 | 8 |
|---|---|---|---|---|
| 80% (low income) | $92,050 | $98,850 | $105,650 | $112,500 |
HUD area: White Pine County, NV
Area median family income: $106,500
Machine-readable data: /api/income.json
The limit is the ceiling. Your number is what matters.
Art runs your real numbers against the exact county limits above and tells you honestly where you stand. No pressure, no obligation.
Important notices
This page is for general education only and is not a loan commitment, an offer of credit, or financial or legal advice. Loan limits are set by FHFA and HUD, are shown as published for the calendar year indicated, and can change or be corrected by those agencies at any time. FHA limits apply by FHA case number assignment date. Program eligibility, rates, fees, and terms depend on your full application. Art Loera is licensed in Nevada (NMLS #367308, NV #8980) and serves clients nationwide through the PRMG multi-state branch network (PRMG NMLS #75243). Equal Housing Lender.
