Data
Every county's loan limits in one file
The 2026 FHA and conforming loan limits for 1 to 4 units, all 3,235 counties and equivalents, as a CSV or a JSON file. It's the same data behind the county lookup, straight from HUD's and FHFA's county files, and it's free to reuse with credit.
Download
| File | Rows | Limits for | Size |
|---|---|---|---|
| loan-limits-county.csv | 3,235 | 2026 | 370 KB |
| loan-limits-county.json | 3,235 | 2026 | 1.0 MB |
| manifest.json | 1 | file list | 1 KB |
A quick check that you've got the right year: in 2026, the FHA floor for a fourplex is $1,041,125 and the conforming baseline for four units is $1,601,750. 2,794 counties sit at that FHA floor.
The file names don't change from year to year. When the 2027 limits come out, the same two files are rewritten with 2027 figures and the year column moves. Keep a copy if you need 2026.
What each column holds
| Column | Meaning |
|---|---|
fips | Five-digit county FIPS code (state + county), kept as text so leading zeros survive. One row per county; this is the key. |
state | Two-letter postal code. Includes DC, Puerto Rico, Guam, the U.S. Virgin Islands, American Samoa and the Northern Marianas. |
county | County or county-equivalent name as HUD prints it (upper case). |
cbsa_code | Metro or micro area code HUD assigns the county to. Blank where HUD lists none. |
metro_name | HUD's name for that area. Limits are set by area, so every county in a metro shares the same numbers. |
year | Calendar year the limits apply to. |
fha_1unit ... fha_4unit | FHA forward mortgage limit in dollars for a 1, 2, 3 or 4 unit property, for case numbers assigned in that year. |
fha_limit_type | "floor", "ceiling" or "high_cost" (between the two), as HUD classifies the county. |
conforming_1unit ... conforming_4unit | FHFA conforming loan limit in dollars: the largest loan Fannie Mae or Freddie Mac can buy in that county. |
Dollar figures are whole dollars, exactly as the agencies publish them. The JSON file is an array of flat objects with the same keys, numbers as numbers.
When the 2027 file lands
FHFA usually posts the next year's conforming limits in late November and HUD posts FHA's in December. If you'd rather not keep checking, sign up for the one-time alert on the loan limits page.
JSON endpoints
Everything below is a plain GET with no key. Please cache what you fetch.
| Endpoint | Returns |
|---|---|
/data/downloads/manifest.json | The file list above, with row count, year, sources and the key column. |
/data/limits/<st>.json | One state's counties in a compact array, the file the county lookup uses (for example /data/limits/tx.json). Each row: county, FHA 1-4 units, conforming 1-4 units, a high-cost flag (1 or 0), metro name. |
/api/live?ids=PMMS30,UST10 | The latest reading of each rate series you name, with its as-of date, the reading a week and a month earlier, a fresh or stale flag and the publisher's citation. Add &history=90 for daily or weekly history. Series include Freddie Mac's weekly survey averages (PMMS30, PMMS15), Treasury yields (UST2 to UST30), SOFR and PRIME. Open to cross-origin requests. |
Rate widget for your site
Paste this where you want a small, always-current rate panel: Freddie Mac's 30-year and 15-year fixed survey averages and the 10-year Treasury, each with its date and weekly change. It runs no script on your page.
<iframe src="https://multifamilyfor.sale/embed/rates?ids=PMMS30,PMMS15,UST10" width="100%" height="150" style="border:0" title="Rates from Porchlight" loading="lazy"></iframe>Change ids= to pick series (up to eight) and add &theme=dark for a dark panel. Here's the live version:
License and terms
The loan limits themselves are U.S. government data from HUD and FHFA, and they're in the public domain. Our compilation (the joined file, column names and cleanup) is offered under the Creative Commons Attribution 4.0 license. Credit it as "Data: Porchlight (multifamilyfor.sale)" with a link to this page.
Rates in the widget and /api/live belong to their publishers and carry their terms: Freddie Mac's survey must be credited to Freddie Mac, the New York Fed's rates (SOFR and its averages) come with the New York Fed's terms of use, and Treasury yields are public data. The files come with no warranty. Before you rely on a limit for a loan, check it against HUD's and FHFA's own files linked below, because a lender uses the agency figure, not ours.
For a commercial feed or bulk use beyond these files, write to desk@janover.co.