Mortgage Guide by State

2024 FHFA conforming limits, average 30-yr fixed rates, and first-time buyer programs for all 50 states. Click any state for a full guide.

StateConforming LimitAvg 30yr RateDPA Available
AlabamaAL$766,5506.9%YesFull guide →
AlaskaAK$1,149,8257%YesFull guide →
ArizonaAZ$766,5507%YesFull guide →
ArkansasAR$766,5506.9%YesFull guide →
CaliforniaCA$1,149,8257.1%YesFull guide →
ColoradoCO$977,5007%YesFull guide →
ConnecticutCT$862,5007%YesFull guide →
DelawareDE$766,5506.9%YesFull guide →
FloridaFL$766,5507.1%YesFull guide →
GeorgiaGA$766,5507%YesFull guide →
HawaiiHI$1,149,8257.2%YesFull guide →
IdahoID$766,5506.9%YesFull guide →
IllinoisIL$766,5507%YesFull guide →
IndianaIN$766,5506.9%YesFull guide →
IowaIA$766,5506.8%YesFull guide →
KansasKS$766,5506.9%YesFull guide →
KentuckyKY$766,5506.9%YesFull guide →
LouisianaLA$766,5507%YesFull guide →
MaineME$766,5507%YesFull guide →
MarylandMD$1,149,8257%YesFull guide →
MassachusettsMA$862,5007.1%YesFull guide →
MichiganMI$766,5506.9%YesFull guide →
MinnesotaMN$766,5506.9%YesFull guide →
MississippiMS$766,5506.9%YesFull guide →
MissouriMO$766,5506.9%YesFull guide →
MontanaMT$766,5507%YesFull guide →
NebraskaNE$766,5506.9%YesFull guide →
NevadaNV$766,5507.1%YesFull guide →
New HampshireNH$766,5507%YesFull guide →
New JerseyNJ$1,149,8257.1%YesFull guide →
New MexicoNM$766,5507%YesFull guide →
New YorkNY$1,149,8257.1%YesFull guide →
North CarolinaNC$766,5507%YesFull guide →
North DakotaND$766,5506.8%YesFull guide →
OhioOH$766,5506.9%YesFull guide →
OklahomaOK$766,5506.9%YesFull guide →
OregonOR$862,5007%YesFull guide →
PennsylvaniaPA$766,5507%YesFull guide →
Rhode IslandRI$766,5507%YesFull guide →
South CarolinaSC$766,5507%YesFull guide →
South DakotaSD$766,5506.9%YesFull guide →
TennesseeTN$766,5506.9%YesFull guide →
TexasTX$766,5507%YesFull guide →
UtahUT$766,5507%YesFull guide →
VermontVT$766,5507%YesFull guide →
VirginiaVA$1,149,8257%YesFull guide →
WashingtonWA$977,5007.1%YesFull guide →
West VirginiaWV$766,5506.9%YesFull guide →
WisconsinWI$766,5506.9%YesFull guide →
WyomingWY$766,5507%YesFull guide →
Baseline ($766,550)High-cost (above baseline)

About these numbers

Conforming limits are 2024 FHFA figures. The baseline is $766,550 for single-family homes in most US counties. High-cost areas (determined by local median home prices) can go up to the ceiling of $1,149,825. Average 30-yr rates are approximations as of late 2024 — actual rates vary by lender, credit score, and loan-to-value.