LoanGraphs

Michigan Loan Limits & Housing Market

2026 conforming and FHA loan limits for all 83 Michigan counties, plus monthly housing market data and affordability analysis.

MI

Conforming Limit (1-Unit)

$832,750

2026 baseline

Counties

83

With loan limit data

Data Coverage

Monthly

Updated with latest data

Michigan Counties

County FIPS Code Conforming Limit (1-Unit)
Alcona County26001$832,750
Alger County26003$832,750
Allegan County26005$832,750
Alpena County26007$832,750
Antrim County26009$832,750
Arenac County26011$832,750
Baraga County26013$832,750
Barry County26015$832,750
Bay County26017$832,750
Benzie County26019$832,750
Berrien County26021$832,750
Branch County26023$832,750
Calhoun County26025$832,750
Cass County26027$832,750
Charlevoix County26029$832,750
Cheboygan County26031$832,750
Chippewa County26033$832,750
Clare County26035$832,750
Clinton County26037$832,750
Crawford County26039$832,750
Delta County26041$832,750
Dickinson County26043$832,750
Eaton County26045$832,750
Emmet County26047$832,750
Genesee County26049$832,750
Gladwin County26051$832,750
Gogebic County26053$832,750
Grand Traverse County26055$832,750
Gratiot County26057$832,750
Hillsdale County26059$832,750
Houghton County26061$832,750
Huron County26063$832,750
Ingham County26065$832,750
Ionia County26067$832,750
Iosco County26069$832,750
Iron County26071$832,750
Isabella County26073$832,750
Jackson County26075$832,750
Kalamazoo County26077$832,750
Kalkaska County26079$832,750
Kent County26081$832,750
Keweenaw County26083$832,750
Lake County26085$832,750
Lapeer County26087$832,750
Leelanau County26089$832,750
Lenawee County26091$832,750
Livingston County26093$832,750
Luce County26095$832,750
Mackinac County26097$832,750
Macomb County26099$832,750
Manistee County26101$832,750
Marquette County26103$832,750
Mason County26105$832,750
Mecosta County26107$832,750
Menominee County26109$832,750
Midland County26111$832,750
Missaukee County26113$832,750
Monroe County26115$832,750
Montcalm County26117$832,750
Montmorency County26119$832,750
Muskegon County26121$832,750
Newaygo County26123$832,750
Oakland County26125$832,750
Oceana County26127$832,750
Ogemaw County26129$832,750
Ontonagon County26131$832,750
Osceola County26133$832,750
Oscoda County26135$832,750
Otsego County26137$832,750
Ottawa County26139$832,750
Presque Isle County26141$832,750
Roscommon County26143$832,750
Saginaw County26145$832,750
Sanilac County26151$832,750
Schoolcraft County26153$832,750
Shiawassee County26155$832,750
St. Clair County26147$832,750
St. Joseph County26149$832,750
Tuscola County26157$832,750
Van Buren County26159$832,750
Washtenaw County26161$832,750
Wayne County26163$832,750
Wexford County26165$832,750

Mortgage Calculator

Estimate your monthly payment for a home in Michigan.

%
%

Estimated Monthly Payment

$2,935

Principal & Interest$2,335
Property Tax$450
Insurance$150
Loan Amount$360,000
Total Interest$480,582
Income Required$125,784/yr

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