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2026 Mortgage Appraisal Threshold Set At $34,200

The Consumer Financial Protection Bureau (CFPB), the Federal Reserve Board, and the Office of the Comptroller of the Currency (OCC) announced on Monday that the 2026 threshold for higher-priced mortgage loans that are subject to special appraisal requirements will increase from $33,500 to $34,200.

A press release from the Federal Reserve Board confirmed that the threshold amount will be effective January 1, 2026, and is based on the 2.1% annual percentage increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers, known as CPI-W, as of June 1, 2025.

The Dodd-Frank Act added special appraisal requirements for higher-priced mortgage loans under the Truth in Lending Act, including a requirement that lenders obtain a written appraisal based on an interior inspection of the home.

The rules include an exemption for loans at or below a dollar threshold that is adjusted annually based on changes in the Consumer Price Index for Urban Wage Earners and Clerical Workers.

In the event that the CPI-W does not rise, the agencies do not adjust the threshold. After years in which the CPI-W declines, subsequent increases are applied to the amount that would have resulted had those changes been taken into account.

The increase for 2025, announced in October of 2024, was from $32,400 to $33,500 and was effective on Jan. 1, 2025.

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2026 Mortgage Appraisal Threshold Set At $34,200

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