- Conforming loan limits on single-family units will rise to $647,200 from $548,250 in most of the country on January 1, 2022. That is an 18.0% increase.
- Of the nation's 3,142 counties or county-equivalents, 155 will have a conforming loan limit higher than the $647,200 baseline in 2022. The highest conforming loan limit will be $970,800, available in 98 counties. See the table below for specific details.
- The conforming loan limit will not change in 2022 in four counties: Routt and Summit counties in Colorado, and Dutchess and Orange counties in New York.
- In every other county, the single-family conforming loan limit will be higher in 2022 than it is today.
- The new loan limits will be available to Wells Fargo customers as soon as our systems are updated.
Source: "FHFA Announces Maximum Conforming Loan Limits for 2022," Federal Housing Finance Agency, November 30, 2021. https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-Conforming-Loan-Limits-for-2021.aspx Conforming Loan Limits: Single-family Units | State | County or
County Equivalent | 2021 | 2022 |
|---|
All counties or county-equivalents in the U.S.
except those listed below | $548,250 to
$646,300 | $647,200 | | Alaska | All counties or county-equivalents | $822,375 | $970,800 |
|---|
| California | ALAMEDA | $822,375 | $970,800 |
|---|
| CONTRA COSTA | $822,375 | $970,800 | | EL DORADO | $598,000 | $675,050 | | LOS ANGELES | $822,375 | $970,800 | | MARIN | $822,375 | $970,800 | | MONTEREY | $739,450 | $854,450 | | NAPA | $816,500 | $897,000 | | ORANGE | $822,375 | $970,800 | | PLACER | $598,000 | $675,050 | | SACRAMENTO | $598,000 | $675,050 | | SAN BENITO | $822,375 | $970,800 | | SAN DIEGO | $753,250 | $879,750 | | SAN FRANCISCO | $822,375 | $970,800 | | SAN LUIS OBISPO | $701,500 | $805,000 | | SAN MATEO | $822,375 | $970,800 | | SANTA BARBARA | $660,100 | $783,150 | | SANTA CLARA | $822,375 | $970,800 | | SANTA CRUZ | $822,375 | $970,800 | | SONOMA | $707,250 | $764,750 | | VENTURA | $739,450 | $851,000 | | YOLO | $598,000 | $675,050 | | Colorado | ADAMS | $596,850 | $684,250 |
|---|
| ARAPAHOE | $596,850 | $684,250 | | BOULDER | $654,350 | $747,500 | | BROOMFIELD | $596,850 | $684,250 | | CLEAR CREEK | $596,850 | $684,250 | | DENVER | $596,850 | $684,250 | | DOUGLAS | $596,850 | $684,250 | | EAGLE | $822,250 | $862,500 | | ELBERT | $596,850 | $684,250 | | GARFIELD | $765,600 | $856,750 | | GILPIN | $596,850 | $684,250 | | JEFFERSON | $596,850 | $684,250 | | PARK | $596,850 | $684,250 | | PITKIN | $765,600 | $856,750 | | ROUTT | $678,500 | $678,500 | | SAN MIGUEL | $649,750 | $756,700 | | SUMMIT | $822,375 | $822,375 | | Connecticut | FAIRFIELD | $601,450 | $695,750 |
|---|
| District of Columbia | DISTRICT OF COLUMBIA | $822,375 | $970,800 |
|---|
| Florida | MONROE | $608,350 | $710,700 |
|---|
| Hawaii | All counties or county-equivalents | $822,375 | $970,800 |
|---|
| Idaho | BLAINE | $625,500 | $648,600 |
|---|
| CAMAS | $625,500 | $648,600 | | TETON | $822,375 | $970,800 | | Maryland | CALVERT | $822,375 | $970,800 |
|---|
| CHARLES | $822,375 | $970,800 | | FREDERICK | $822,375 | $970,800 | | MONTGOMERY | $822,375 | $970,800 | | PRINCE GEORGE'S | $822,375 | $970,800 | | Massachusetts | DUKES | $822,375 | $970,800 |
|---|
| ESSEX | $724,500 | $770,500 | | MIDDLESEX | $724,500 | $770,500 | | NANTUCKET | $822,375 | $970,800 | | NORFOLK | $724,500 | $770,500 | | PLYMOUTH | $724,500 | $770,500 | | SUFFOLK | $724,500 | $770,500 | | New Hampshire | ROCKINGHAM | $724,500 | $770,500 |
|---|
| STRAFFORD | $724,500 | $770,500 | | New Jersey | BERGEN | $822,375 | $970,800 |
|---|
| ESSEX | $822,375 | $970,800 | | HUDSON | $822,375 | $970,800 | | HUNTERDON | $822,375 | $970,800 | | MIDDLESEX | $822,375 | $970,800 | | MONMOUTH | $822,375 | $970,800 | | MORRIS | $822,375 | $970,800 | | OCEAN | $822,375 | $970,800 | | PASSAIC | $822,375 | $970,800 | | SOMERSET | $822,375 | $970,800 | | SUSSEX | $822,375 | $970,800 | | UNION | $822,375 | $970,800 | | New York | BRONX | $822,375 | $970,800 |
|---|
| DUTCHESS | $726,525 | $726,525 | | KINGS | $822,375 | $970,800 | | NASSAU | $822,375 | $970,800 | | NEW YORK | $822,375 | $970,800 | | ORANGE | $726,525 | $726,525 | | PUTNAM | $822,375 | $970,800 | | QUEENS | $822,375 | $970,800 | | RICHMOND | $822,375 | $970,800 | | ROCKLAND | $822,375 | $970,800 | | SUFFOLK | $822,375 | $970,800 | | WESTCHESTER | $822,375 | $970,800 | | Pennsylvania | PIKE | $822,375 | $970,800 |
|---|
| Tennessee | CANNON | $586,500 | $694,600 |
|---|
| CHEATHAM | $586,500 | $694,600 | | DAVIDSON | $586,500 | $694,600 | | DICKSON | $586,500 | $694,600 | | MACON | $586,500 | $694,600 | | MAURY | $586,500 | $694,600 | | ROBERTSON | $586,500 | $694,600 | | RUTHERFORD | $586,500 | $694,600 | | SMITH | $586,500 | $694,600 | | SUMNER | $586,500 | $694,600 | | TROUSDALE | $586,500 | $694,600 | | WILLIAMSON | $586,500 | $694,600 | | WILSON | $586,500 | $694,600 | | Utah | SUMMIT | $817,650 | $970,800 |
|---|
| WASATCH | $817,650 | $970,800 | | Virginia | ARLINGTON | $822,375 | $970,800 |
|---|
| CLARKE | $822,375 | $970,800 | | CULPEPER | $822,375 | $970,800 | | FAIRFAX | $822,375 | $970,800 | | FAUQUIER | $822,375 | $970,800 | | LOUDOUN | $822,375 | $970,800 | | MADISON | $822,375 | $970,800 | | PRINCE WILLIAM | $822,375 | $970,800 | | RAPPAHANNOCK | $822,375 | $970,800 | | SPOTSYLVANIA | $822,375 | $970,800 | | STAFFORD | $822,375 | $970,800 | | WARREN | $822,375 | $970,800 | | ALEXANDRIA CITY | $822,375 | $970,800 | | FAIRFAX CITY | $822,375 | $970,800 | | FALLS CHURCH CITY | $822,375 | $970,800 | | FREDERICKSBURG CITY | $822,375 | $970,800 | | MANASSAS CITY | $822,375 | $970,800 | | MANASSAS PARK CITY | $822,375 | $970,800 | | Washington | KING | $776,250 | $891,250 |
|---|
| PIERCE | $776,250 | $891,250 | | SNOHOMISH | $776,250 | $891,250 | | West Virginia | JEFFERSON | $822,375 | $970,800 |
|---|
| Wyoming | TETON | $822,375 | $970,800 |
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