2026 limits · 9 planning regions
Connecticut 2026 loan limits for duplexes, triplexes and fourplexes
In Connecticut, the 2026 FHA limit for a fourplex runs from $1,041,125 to $1,879,850. 7 of 9 planning regions sit at the national floor; the highest is Greater Bridgeport Planning Region, Western Connecticut Planning Region. The conforming limit, which caps a conventional loan Fannie Mae or Freddie Mac can buy, is $1,601,750 for a fourplex in most of the state and up to $1,879,850 in 3 high-cost planning regions.
Every planning region in Connecticut
The limit caps the base loan, not the price. FHA's upfront premium can be added on top without counting against it. "High-cost" marks a planning region whose FHA limit is above the national floor.
| Planning region | FHA 2026 | Conforming 2026 | ||||
|---|---|---|---|---|---|---|
| 2 units | 3 units | 4 units | 2 units | 3 units | 4 units | |
| Capitol Planning Region Hartford-West Hartford-East Hartford, CT | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Greater Bridgeport Planning Region high-cost Bridgeport-Stamford-Danbury, CT | $1,251,400 | $1,512,650 | $1,879,850 | $1,251,400 | $1,512,650 | $1,879,850 |
| Lower Connecticut River Valley Planning Region Hartford-West Hartford-East Hartford, CT | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Naugatuck Valley Planning Region Waterbury-Shelton, CT | $693,050 | $837,700 | $1,041,125 | $1,089,450 | $1,316,900 | $1,636,550 |
| Northeastern Connecticut Planning Region Putnam, CT | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Northwest Hills Planning Region Torrington, CT | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| South Central Connecticut Planning Region New Haven, CT | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Southeastern Connecticut Planning Region Norwich-New London-Willimantic, CT | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Western Connecticut Planning Region high-cost Bridgeport-Stamford-Danbury, CT | $1,251,400 | $1,512,650 | $1,879,850 | $1,251,400 | $1,512,650 | $1,879,850 |
How much building fits under the limit
With FHA's minimum 3.5% down, the base loan is 96.5% of the price. So the most you can pay and stay inside the limit is the limit divided by 0.965.
| Where | Duplex | Triplex | Fourplex |
|---|---|---|---|
| 7 planning regions at the floor | $718,186 | $868,082 | $1,078,886 |
| Greater Bridgeport Planning Region | $1,296,787 | $1,567,512 | $1,948,031 |
Put more than 3.5% down and the ceiling on price rises with it. Price is also only half of it: on a three- or four-unit building, FHA's self-sufficiency test often binds before the loan limit does. The calculator runs both against a planning region you pick.
VA and conventional in Connecticut
Conventional loans use the conforming column. On a 2-4 unit home you live in, Freddie Mac's published maximum is 95% loan-to-value for a mortgage its automated system accepts, but 85% (two units) and 80% (three or four) for a "super conforming" loan above the baseline, and the same 85% and 80% for a manually underwritten one.
A veteran with full VA entitlement has no county limit. If some entitlement is still tied up in another loan, VA ties the guaranty to the one-unit conforming limit even for a fourplex: $832,750 to $977,500 in Connecticut. The guaranty is 25% of that figure minus the entitlement already used.
Other states: all states and the county lookup.