FHA Loan Limits in Washington County, Arkansas (2026)
Washington County and the rest of Washington County, Arkansas fall under a 2026 one-unit FHA limit of $541,287. That matches the national FHA floor used across most of the South.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
From Washington County to the edges of Washington County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Pulaski and Benton Counties.
How much home can you afford in Washington County?
Homes around Washington County carry an estimated local median near $330,000, so an FHA buyer in Washington County puts down about $11,550 (3.5%). With Arkansas's 0.62% effective property-tax rate, the all-in payment runs near $2,428 a month — comfortable on household income around $94,000, above Arkansas's $56,335 median household income, so budget carefully.
FHA payment scenarios in Washington County
FHA payments across Washington County price points — from entry homes near Washington County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $238,000 | $8,330 | $1,784 |
| Local median — $330,000 | $11,550 | $2,428 |
| At the FHA limit — $541,287 | $18,945 | $3,908 |
Estimates include FHA MIP plus Arkansas property taxes and insurance. Rates move daily near Washington County too — get notified.
First-time buyers make up much of FHA activity in Washington County and across Washington County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $11,550 needed on a median Washington County home.
Multi-unit FHA limits in Washington County
Washington County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Washington County can live in one unit and rent the rest to offset the mortgage.
Get FHA Rate & Program Alerts
Join the free FHA Notification Program — we watch rates, requirements, and new programs so you do not have to.
Free to join. Msg & data rates may apply; reply STOP to opt out. See our Terms & Privacy Policy.
Frequently Asked Questions
- What is the FHA loan limit in Washington County for 2026?
- In Washington County (Washington County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Washington County with FHA?
- For a median-priced ($330,000) Washington County home, plan on income around $94,000 at a 31% housing ratio — about $2,428/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Washington County?
- 3.5% with a 580+ score — roughly $11,550 on a $330,000 Washington County-area home. Gift funds are allowed.
- Is Washington County a high-cost FHA area?
- No — Washington County uses the $541,287 national floor for one unit.