For 2026, the Federal Housing Finance Agency (FHFA) has increased the conforming loan limits for Boston (Suffolk County) and surrounding high-cost areas to the maximum national ceiling. These limits apply to single-family homes and condos.

2026 Conforming Loan Limits (Boston/Suffolk County)

Property Type	2026 High-Cost Limit (Ceiling)	2025 Limit (Reference)
1-Unit (Home/Condo)	$1,249,125	$1,209,750
2-Unit (Duplex)	$1,599,375	$1,548,975
3-Unit (Triplex)	$1,933,200	$1,872,225
4-Unit (Fourplex)	$2,402,625	$2,326,875

Sources: FHFA, Fannie Mae

Key Details for 2026

High-Cost Designation: Boston and many neighboring counties (such as Norfolk and Plymouth) are designated as high-cost areas, allowing for limits up to 150% of the national baseline.
Middlesex County Exception: Some suburbs in Middlesex County may have a specific intermediate limit, recently cited as $962,550 for one-unit properties in 2026.
Jumbo Loan Threshold: Any mortgage amount exceeding these specific county limits is classified as a “non-conforming” or jumbo loan, which often requires higher credit scores and larger down payments.
Effective Date: These limits officially apply to loans acquired by Fannie Mae and Freddie Mac starting January 1, 2026, though many lenders began honoring them shortly after the November 2025 announcement.

Updated: Boston Real Estate Blog 2025

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