FHA Loan Limits in Los Angeles County, California (2026)
Los Angeles County and the rest of Los Angeles County, California fall under a 2026 one-unit FHA limit of $1,249,125. As a high-cost county, that ceiling runs above the $541,287 national floor.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $1,249,125 |
| Two-unit (duplex) | $1,599,225 |
| Three-unit (triplex) | $1,933,200 |
| Four-unit (fourplex) | $2,402,475 |
From Los Angeles County to the edges of Los Angeles County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby San Diego and Orange Counties.
How much home can you afford in Los Angeles County?
An FHA buyer near Los Angeles County faces an estimated $915,000 median, a $32,025 down payment, and — after California's 0.75% property tax — a monthly cost around $6,625. That suits household income of roughly $256,000, above California's $91,905 median household income, so budget carefully.
FHA payment scenarios in Los Angeles County
Whether you are buying in Los Angeles County or a smaller Los Angeles County community, here is how an FHA payment scales by price (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $659,000 | $23,065 | $4,804 |
| Local median — $915,000 | $32,025 | $6,625 |
| At the FHA limit — $1,249,125 | $43,719 | $9,002 |
Estimates include FHA MIP plus California property taxes and insurance. Rates move daily near Los Angeles County too — get notified.
First-time buyers make up much of FHA activity in Los Angeles County and across Los Angeles County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $32,025 needed on a median Los Angeles County home.
Multi-unit FHA limits in Los Angeles County
Investors and house-hackers in Los Angeles County and across Los Angeles County can finance 2-4 unit homes with FHA at just 3.5% down: $1,599,225 for a duplex, $1,933,200 for a triplex, and $2,402,475 for a fourplex.
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 Los Angeles County for 2026?
- In Los Angeles County (Los Angeles County), the 2026 FHA limit is $1,249,125 for one unit, $1,599,225 for a duplex, $1,933,200 for a triplex, and $2,402,475 for a fourplex.
- What income do I need to buy in Los Angeles County with FHA?
- For a median-priced ($915,000) Los Angeles County home, plan on income around $256,000 at a 31% housing ratio — about $6,625/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Los Angeles County?
- 3.5% with a 580+ score — roughly $32,025 on a $915,000 Los Angeles County-area home. Gift funds are allowed.
- Is Los Angeles County a high-cost FHA area?
- Yes — Los Angeles County's $1,249,125 one-unit limit tops the $541,287 national floor.