FHA Loan Limits in Imperial County, California (2026)
Imperial County and the rest of Imperial 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 |
These 2026 limits apply throughout Imperial County, from Imperial County outward, and sit alongside the limits set for neighboring Los Angeles and San Diego Counties.
How much home can you afford in Imperial County?
With Imperial County's median sale price estimated near $739,000 (think Imperial County), the FHA down payment is roughly $18,945. Factoring California property taxes near 0.75%, expect about $3,967 monthly, pointing to income near $154,000 — above California's $91,905 median household income, so budget carefully.
FHA payment scenarios in Imperial County
FHA payments across Imperial County price points — from entry homes near Imperial County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $532,000 | $18,620 | $3,901 |
| Local median — $541,287 | $18,945 | $3,967 |
| At the FHA limit — $541,287 | $18,945 | $3,967 |
Estimates include FHA MIP plus California property taxes and insurance. Rates move daily near Imperial County too — get notified.
In Imperial County and the surrounding Imperial County market, FHA's appeal is the math: $18,945 down on a $541,287 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Imperial County
Imperial County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Imperial 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 Imperial County for 2026?
- In Imperial County (Imperial 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 Imperial County with FHA?
- For a median-priced ($541,287) Imperial County home, plan on income around $154,000 at a 31% housing ratio — about $3,967/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Imperial County?
- 3.5% with a 580+ score — roughly $18,945 on a $541,287 Imperial County-area home. Gift funds are allowed.
- Is Imperial County a high-cost FHA area?
- No — Imperial County uses the $541,287 national floor for one unit.