FHA Loan Limits in Fresno County, California (2026)
Fresno County and the rest of Fresno County, California fall under a 2026 one-unit FHA limit of $541,287. That matches the national FHA floor used across most of the West Coast.
| 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 |
Every community in Fresno County — Fresno County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Los Angeles and San Diego Counties.
How much home can you afford in Fresno County?
With Fresno County's median sale price estimated near $400,000 (think Fresno County), the FHA down payment is roughly $14,000. Factoring California property taxes near 0.75%, expect about $2,962 monthly, pointing to income near $115,000 — above California's $91,905 median household income, so budget carefully.
FHA payment scenarios in Fresno County
FHA payments across Fresno County price points — from entry homes near Fresno County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $288,000 | $10,080 | $2,165 |
| Local median — $400,000 | $14,000 | $2,962 |
| At the FHA limit — $541,287 | $18,945 | $3,967 |
Estimates include FHA MIP plus California property taxes and insurance. Rates move daily near Fresno County too — get notified.
Buyers across Fresno County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $14,000 down payment near Fresno County into little out of pocket.
Multi-unit FHA limits in Fresno County
Fresno County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Fresno County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in Fresno County for 2026?
- In Fresno County (Fresno 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 Fresno County with FHA?
- For a median-priced ($400,000) Fresno County home, plan on income around $115,000 at a 31% housing ratio — about $2,962/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Fresno County?
- 3.5% with a 580+ score — roughly $14,000 on a $400,000 Fresno County-area home. Gift funds are allowed.
- Is Fresno County a high-cost FHA area?
- No — Fresno County uses the $541,287 national floor for one unit.