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MA
Massachusetts
2024 Loan Rules & Limits
📊 Loan Limits (2024)
Conforming Limit
$862,500
FHFA single-family baseline
FHA Floor
$862,500
HUD single-family baseline
High-Cost Area: Parts of Massachusetts may qualify for loan limits up to $1,149,825. Check with your lender for county-specific limits.
💰 Tax Climate
State Income Tax
Yes
🏛️ State Housing Agency
MassHousing
Available Programs
- MassHousing Mortgage
- MassHousing DPA
📋 Lending Notes
Greater Boston metro, Nantucket, and Dukes (Martha's Vineyard) counties have higher limits. Boston is one of the most expensive cities in the U.S.
Loan limits effective January 1, 2024. Actual limits vary by county. Always verify current limits with your lender or at hud.gov and fhfa.gov.