Are there higher FHA mortgage limits in 2021 for properties in Alaska, Hawaii, Guam or Virgin Islands?

Although Alaska, Hawaii, Guam, and the Virgin Islands (Special Inspection Areas) have the potential for higher loan limits than the national ceilings, FHA bases the actual loan limits in these areas on the median house prices in each area. Section 214 of the National Housing Act permits loan limits in the Special Exception Areas to be increased up to 150% of the national ceilings to account for higher costs of construction, should the limits in these areas based upon the median home price otherwise exceed the national ceiling.

FHA mortgage limits are available for look up at:

For additional information, see:

All policy information contained in this knowledge base article is based upon the referenced HUD policy document. Any lending or insuring decisions should adhere to the specific information contained in that underlying policy document.

Topic Number: KA-03625