| Metropolitan Statistical Areas, Micropolitan Statistical Areas and Rural Counties where Maximum Conforming Loan Limits for 2010-Originated Mortgages exceed $417,000 in Contiguous U.S. or $625,500 for locations in Alaska, Hawaii, Guam, and U.S. Virgin Islands |
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| (These loan limits, which are the same as those issued for 2009-originated mortgages, apply to loans originated in 2010. Loans acquired in 2010, but originated prior to 7/1/2007 remain subject to the loan limits established under provisions of the Housing and Economic Recovery Act of 2008). | |||||
| State | Metropolitan, Micropolitan, or County Name | Limit 1-Unit |
Limit 2-Unit |
Limit 3-Unit |
Limit 4-Unit |
| AZ | Flagstaff (Metropolitan Area) Component County: Coconino |
$450,000 | $576,050 | $696,350 | $865,400 |
| CA | Bishop (Micropolitan Area) Component County: Inyo |
$437,500 | $560,050 | $677,000 | $841,350 |
| CA | Los Angeles-Long Beach-Santa Ana (Metropolitan Area) Component Counties: Los Angeles, Orange |
$729,750 | $934,200 | $1,129,250 | $1,403,400 |
| CA | Madera-Chowchilla (Metropolitan Area) Component County: Madera |
$425,000 | $544,050 | $657,650 | $817,300 |
| CA | Merced (Metropolitan Area) Component County: Merced |
$472,500 | $604,900 | $731,150 | $908,650 |
| CA | Modesto (Metropolitan Area) Component County: Stanislaus |
$423,750 | $542,450 | $655,700 | $814,900 |
| CA | Napa (Metropolitan Area) Component County: Napa |
$729,750 | $934,200 | $1,129,250 | $1,403,400 |
| CA | Oxnard-Thousand Oaks-Ventura (Metropolitan Area) Component County: Ventura |
$729,750 | $934,200 | $1,129,250 | $1,403,400 |
| CA | Phoenix Lake-Cedar Ridge (Micropolitan Area) Component County: Tuolumne |
$437,500 | $560,050 | $677,000 | $841,350 |
| CA | Redding (Metropolitan Area) Component County: Shasta |
$423,750 | $542,450 | $655,700 | $814,900 |
| CA | Riverside-San Bernardino-Ontario (Metropolitan Area) Component Counties: Riverside, San Bernardino |
$500,000 | $640,100 | $773,700 | $961,550 |
| CA | Sacramento–Arden-Arcade–Roseville (Metropolitan Area) Component Counties: El Dorado, Placer, Sacramento, Yolo |
$580,000 | $742,500 | $897,500 | $1,115,400 |
| CA | Salinas (Metropolitan Area) Component County: Monterey |
$729,750 | $934,200 | $1,129,250 | $1,403,400 |
| CA | San Diego-Carlsbad-San Marcos (Metropolitan Area) Component County: San Diego |
$697,500 | $892,950 | $1,079,350 | $1,341,350 |
| CA | San Francisco-Oakland-Fremont (Metropolitan Area) Component Counties: Alameda, Contra Costa, Marin, San Francisco, San Mateo |
$729,750 | $934,200 | $1,129,250 | $1,403,400 |
| CA | San Jose-Sunnyvale-Santa Clara (Metropolitan Area) Component Counties: San Benito, Santa Clara |
$729,750 | $934,200 | $1,129,250 | $1,403,400 |
| CA | San Luis Obispo-Paso Robles (Metropolitan Area) Component County: San Luis Obispo |
$687,500 | $880,100 | $1,063,850 | $1,322,150 |
| CA | Santa Barbara-Santa Maria-Goleta (Metropolitan Area) Component Couny: Santa Barbara |
$729,750 | $934,200 | $1,129,250 | $1,403,400 |
| CA | Santa Cruz-Watsonville (Metropolitan Area) Component County: Santa Cruz |
$729,750 | $934,200 | $1,129,250 | $1,403,400 |
| CA | Santa Rosa-Petaluma (Metropolitan Area) Component County: Sonoma |
$662,500 | $848,100 | $1,025,200 | $1,274,050 |
| CA | Stockton (Metropolitan Area) Component County: San Joaquin |
$488,750 | $625,700 | $756,300 | $939,900 |
| CA | Truckee-Grass Valley (Micropolitan Area) Component County: Nevada |
$562,500 | $720,100 | $870,450 | $1,081,750 |
| CA | Ukiah (Micropolitan Area) Component County: Mendocino |
$512,500 | $656,100 | $793,050 | $985,600 |
| CA | Vallejo-Fairfield (Metropolitan Area) Component County: Solano |
$557,500 | $713,700 | $862,700 | $1,072,150 |
| CA | Yuba City (Metropolitan Area) Component Counties: Sutter, Yuba |
$425,000 | $544,050 | $657,650 | $817,300 |
| CA | Alpine County | $547,500 | $700,900 | $847,200 | $1,052,900 |
| CA | Amador County | $443,750 | $568,050 | $686,650 | $853,350 |
| CA | Calaveras County | $462,500 | $592,050 | $715,700 | $889,450 |
| CA | Mono County | $529,000 | $677,200 | $818,600 | $1,017,300 |
| CO | Boulder (Metropolitan Area) Component County: Boulder |
$460,000 | $588,850 | $711,800 | $884,600 |
| CO | Durango (Micropolitan Area) Component County: La Plata |
$443,750 | $568,050 | $686,650 | $853,350 |
| CO | Edwards (Micropolitan Area) Component Counties: Eagle, Lake |
$729,750 | $934,200 | $1,129,250 | $1,403,400 |
| CO | Greeley (Metropolitan Area) Component County: Weld |
$417,500 | $534,450 | $646,050 | $802,900 |
| CO | Silverthorne (Micropolitan Area) Component County: Summit |
$729,750 | $934,200 | $1,129,250 | $1,403,400 |
| CO | Garfield County | $425,000 | $544,050 | $657,650 | $817,300 |
| CO | Gunnison County | $433,750 | $555,250 | $671,200 | $834,150 |
| CO | Hinsdale County | $557,500 | $713,700 | $862,700 | $1,072,150 |
| CO | Ouray County | $482,500 | $617,700 | $746,650 | $927,900 |
| CO | Pitkin County | $729,750 | $934,200 | $1,129,250 | $1,403,400 |
| CO | Routt County | $675,000 | $864,100 | $1,044,550 | $1,298,100 |
| CO | San Juan County | $425,000 | $544,050 | $657,650 | $817,300 |
| CO | San Miguel County | $651,250 | $833,700 | $1,007,750 | $1,252,400 |
| CT | Bridgeport-Stamford-Norwalk (Metropolitan Area) Component County: Fairfield |
$708,750 | $907,350 | $1,096,750 | $1,363,000 |
| CT | Hartford-West Hartford-East Hartford (Metropolitan Area) Component County: Hartford, Middlesex, Tolland |
$440,000 | $563,250 | $680,850 | $846,150 |
| DC | Washington-Arlington-Alexandria, DC-VA-MD-WV (Metropolitan Area) Component Areas (DC): District of Columbia |
$729,750 | $934,200 | $1,129,250 | $1,403,400 |
| DE | Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (Metropolitan Area) Component County (DE): New Castle |
$420,000 | $537,650 | $649,900 | $807,700 |
| FL | Key West (Micropolitan Area) Component County: Monroe |
$729,750 | $934,200 | $1,129,250 | $1,403,400 |
| FL | Miami-Fort Lauderdale-Pompano Beach (Metropolitan Area) Component Counties: Broward, Miami-Dade, Palm Beach |
$423,750 | $542,450 | $655,700 | $814,900 |
| FL | Naples-Marco Island (Metropolitan Area) Component Counties: Collier |
$531,250 | $680,100 | $822,050 | $1,021,650 |
| FL | Sarasota-Bradenton-Venice (Metropolitan Area) Component Counties: Manatee, Sarasota |
$442,500 | $566,450 | $684,750 | $850,950 |
| GA | Greene County | $662,500 | $848,100 | $1,025,200 | $1,274,050 |
| HI | Honolulu (Metropolitan Area) Component County: Honolulu |
$793,750 | $1,016,150 | $1,228,300 | $1,526,450 |
| HI | Kahului-Wailuku (Micropolitan Area) Component County: Maui |
$790,000 | $1,011,350 | $1,222,500 | $1,519,250 |
| HI | Kapaa (Micropolitan Area) Component County: Kauai |
$773,750 | $990,550 | $1,197,350 | $1,488,000 |
| HI | Kalawao County | $716,250 | $916,950 | $1,108,350 | $1,377,450 |
| ID | Jackson, WY-ID (Micropolitan Area) Component County (ID): Teton |
$693,750 | $888,100 | $1,073,550 | $1,334,150 |
| ID | Blaine County | $729,750 | $934,200 | $1,129,250 | $1,403,400 |
| ID | Valley County | $462,500 | $592,050 | $715,700 | $889,450 |
| MA | Barnstable Town (Metropolitan Area) Component County: Barnstable |
$462,500 | $592,050 | $715,700 | $889,450 |
| MA | Boston-Cambridge-Quincy, MA-NH (Metropolitan Area) Component Counties (MA): Essex, Middlesex, Norfolk, Plymouth, Suffolk |
$523,750 | $670,500 | $810,450 | $1,007,200 |
| MA | Providence-New Bedford-Fall River, RI-MA (Metropolitan Area) Component Counties (MA): Bristol |
$475,000 | $608,100 | $735,050 | $913,450 |
| MA | Duke’s County | $729,750 | $934,200 | $1,129,250 | $1,403,400 |
| MA | Nantucket County | $729,750 | $934,200 | $1,129,250 | $1,403,400 |
| MD | Baltimore-Towson (Metropolitan Area) Component Counties: Anne Arundel, Baltimore, Carroll, Harford, Howard, Queen Anne’s Also Component City: Baltimore |
$560,000 | $716,900 | $866,550 | $1,076,950 |
| MD | Easton (Micropolitan Area) Component County: Talbot |
$443,750 | $568,050 | $686,650 | $853,350 |
| MD | Ocean Pines (Micropolitan Area) Component County: Worcester |
$437,500 | $560,050 | $677,000 | $841,350 |
| MD | Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (Metropolitan Area) Component County (MD): Cecil |
$420,000 | $537,650 | $649,900 | $807,700 |
| MD | Washington-Arlington-Alexandria, DC-VA-MD-WV (Metropolitan Area) Component Counties (MD): Calvert, Charles, Frederick, Montgomery, Prince George’s |
$729,750 | $934,200 | $1,129,250 | $1,403,400 |
| MD | Garrett County | $437,500 | $560,050 | $677,000 | $841,350 |
| NC | Elizabeth City (Micropolitan Area) Component Counties: Camden, Pasquotank, Perquimans |
$729,750 | $934,200 | $1,129,250 | $1,403,400 |
| NC | Kill Devil Hills (Micropolitan Area) Component Counties: Dare |
$460,000 | $588,850 | $711,800 | $884,600 |
| NC | Virginia Beach-Norfolk-Newport News, VA-NC (Metropolitan Area) Component County (NC): Currituck |
$458,850 | $587,400 | $710,050 | $882,400 |
| NC | Hyde County | $483,000 | $618,300 | $747,400 | $928,850 |
| NH | Boston-Cambridge-Quincy, MA-NH (Metropolitan Area) Component Counties (NH): Rockingham, Strafford |
$523,750 | $670,500 | $810,450 | $1,007,200 |
| NJ | Atlantic City (Metropolitan Area) Component Counties: Atlantic |
$453,750 | $580,850 | $702,150 | $872,600 |
| NJ | New York-Northern New Jersey-Long Island, NY-NJ-PA (Metropolitan Area) Component Counties (NJ): Bergen, Essex, Hudson, Hunterdon, Middlesex, Monmouth, Morris, Ocean, Passaic, Somerset, Sussex, Union |
$729,750 | $934,200 | $1,129,250 | $1,403,400 |
| NJ | Ocean City (Metropolitan Area) Component Counties: Cape May |
$487,500 | $624,100 | $754,350 | $937,500 |
| NJ | Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (Metropolitan Area) Component Counties (NJ): Burlington, Camden, Gloucester, Salem |
$420,000 | $537,650 | $649,900 | $807,700 |
| NJ | Trenton-Ewing (Metropolitan Area) Component County: Mercer |
$440,000 | $563,250 | $680,850 | $846,150 |
| NM | Santa Fe (Metropolitan Area) Component County: Santa Fe |
$427,500 | $547,250 | $661,500 | $822,100 |
| NV | Gardnerville Ranchos (Micropolitan Area) Component County: Douglas |
$468,750 | $600,100 | $725,350 | $901,450 |
| NY | New York-Northern New Jersey-Long Island, NY-NJ-PA (Metropolitan Area) Component Counties (NY): Bronx, Kings, Nassua, New York, Putnam, Queens, Richmond, Rockland, Suffolk, Westchester |
$729,750 | $934,200 | $1,129,250 | $1,403,400 |
| NY | Poughkeepsie-Newburgh-Middletown (Metropolitan Area) Component Counties: Dutchess, Orange |
$443,750 | $568,050 | $686,650 | $853,350 |
| OH | Athens (Micropolitan Area) Component County: Athens |
$432,500 | $553,650 | $669,250 | $831,750 |
| OR | Bend (Metropolitan Area) Component County: Deschutes |
$447,500 | $572,850 | $692,450 | $860,600 |
| OR | Medford (Metropolitan Area) Component County: Jackson |
$422,500 | $540,850 | $653,800 | $812,500 |
| OR | Portland-Vancouver-Beaverton, OR-WA (Metropolitan Area) Component Counties (OR): Clackamas, Columbia, Multnomah, Washington, Yamhill |
$418,750 | $536,050 | $648,000 | $805,300 |
| PA | New York-Northern New Jersey-Long Island, NY-NJ-PA (Metropolitan Area) Component County (PA): Pike |
$729,750 | $934,200 | $1,129,250 | $1,403,400 |
| PA | Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (Metropolitan Area) Component Counties (PA): Bucks, Chester, Delaware, Montgomery, Philadelphia |
$420,000 | $537,650 | $649,900 | $807,700 |
| PA | York-Hanover (Metropolitan Area) Component County: York |
$425,000 | $544,050 | $657,650 | $817,300 |
| RI | Providence-New Bedford-Fall River, RI-MA (Metropolitan Area) Component Counties (RI): Bristol, Kent, Newport, Providence, Washington |
$475,000 | $608,100 | $735,050 | $913,450 |
| TN | Nashville-Davidson–Murfreesboro–Franklin (Metropolitan Area) Component Counties: Cannon, Cheatham, Davidson, Dickson, Hickman, Macon, Robertson, Rutherford, Smith, Sumner, Trousdale, Williamson, Wilson |
$432,500 | $553,650 | $669,250 | $831,750 |
| UT | Heber (Micropolitan Area) Component County: Wasatch |
$431,250 | $552,050 | $667,350 | $829,350 |
| UT | Salt Lake City (Metropolitan Area) Component Counties (UT): Salt Lake, Summit, Tooele |
$729,750 | $934,200 | $1,129,250 | $1,403,400 |
| VA | Charlottesville (Metropolitan Area) Component Counties: Albemarle, Fluvanna, Greene, Nelson Component City: Charlottesville |
$437,000 | $559,450 | $676,200 | $840,400 |
| VA | Richmond (Metropolitan Area) Component Counties: Amelia, Caroline, Charles City, Chesterfield, Cumberland, Dinwiddie, Goochland, Hanover, Henrico, King and Queen, King William, Louisa, New Kent, Powhatan, Prince George, Sussex Also Component Cities: Colonial Heights, Hopewell, Petersburg, Richmond |
$535,900 | $686,050 | $829,250 | $1,030,600 |
| VA | Virginia Beach-Norfolk-Newport News, VA-NC (Metropolitan Area) Component Counties (VA): Gloucester, Isle of Wight, James City, Mathews, Surry, York Also Component Cities (VA): Chesapeake, Hampton, Newport News, Norfolk, Poquoson, Portsmouth, Suffolk, Virginia Beach, Williamsburg |
$458,850 | $587,400 | $710,050 | $882,400 |
| VA | Washington-Arlington-Alexandria, DC-VA-MD-WV (Metropolitan Area) Component Counties (VA): Arlington, Clarke, Fairfax, Fauquier, Loudoun, Prince William, Spotsylvania, Stafford, Warren Also Component Cities (VA): Alexandria, Fairfax, Falls Church, Fredericksburg, Manassas, Mannassas Park |
$729,750 | $934,200 | $1,129,250 | $1,403,400 |
| VA | Winchester, VA-WV (Metropolitan Area) Component Counties (VA): Frederick Also Component City (VA): Winchester |
$475,000 | $608,100 | $735,050 | $913,450 |
| VA | Lancaster County | $545,000 | $697,700 | $843,350 | $1,048,100 |
| WA | Bremerton-Silverdale (Metropolitan Area) Component County: Kitsap |
$475,000 | $608,100 | $735,050 | $913,450 |
| WA | Portland-Vancouver-Beaverton, OR-WA (Metropolitan Area) Component Counties (WA): Clark, Skamania |
$418,750 | $536,050 | $648,000 | $805,300 |
| WA | Seattle-Tacoma-Bellevue (Metropolitan Area) Component Counties: King, Pierce, Snohomish |
$567,500 | $726,500 | $878,150 | $1,091,350 |
| WA | Jefferson County | $437,500 | $560,050 | $677,000 | $841,350 |
| WA | San Juan County | $593,750 | $760,100 | $918,800 | $1,141,850 |
| WV | Washington-Arlington-Alexandria, DC-VA-MD-WV (Metropolitan Area) Component County (WV): Jefferson |
$729,750 | $934,200 | $1,129,250 | $1,403,400 |
| WV | Winchester, VA-WV (Metropolitan Area) Component County (WV): Hampshire |
$475,000 | $608,100 | $735,050 | $913,450 |
| WY | Jackson, WY-ID (Micropolitan Area) Component County (WY): Teton |
$693,750 | $888,100 | $1,073,550 | $1,334,150 |
| GU | Guam | $651,250 | $833,700 | $1,007,750 | $1,252,400 |
| MP | Northern Islands Municipality | $605,000 | $774,500 | $936,200 | $1,163,500 |
| MP | Rota Municipality | $473,750 | $606,500 | $733,100 | $911,050 |
| MP | Saipan Municipality | $610,000 | $780,900 | $943,950 | $1,173,100 |
| MP | Tinian Municipality | $613,750 | $785,700 | $949,750 | $1,180,300 |
| PR | San Juan-Caguas-Guaynabo (Metropolitan Area) Component Municipios: Aguas Buenas, Aibonito, Arecibo, Barceloneta, Barranquitas, Bayamón, Caguas, Camuy, Canóvanas, Carolina, Cataño, Cayey, Ciales, Cidra, Comerío, Corozal, Dorado, Florida, Guaynabo, Gurabo, Hatillo, Humacao, Juncos, Las Piedras, Loíza, Manatí, Maunabo, Morovis, Naguabo, Naranjito, Orocovis, Quebradillas, Río Grande, San Juan, San Lorenzo, Toa Alta, Toa Baja, Trujillo Alto, Vega Alta, Vega Baja, Yabucoa |
$606,250 | $776,100 | $938,150 | $1,165,900 |
High Cost area Loan Limits 2010
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