FHA Loan Limits in Marin County, California (2026)
Marin County and the rest of Marin 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 Marin County to the edges of Marin County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Los Angeles and San Diego Counties.
How much home can you afford in Marin County?
An FHA buyer near Marin County faces an estimated $1,500,000 median, a $43,719 down payment, and — after California's 0.75% property tax — a monthly cost around $9,002. That suits household income of roughly $348,000, above California's $91,905 median household income, so budget carefully.
FHA payment scenarios in Marin County
Here is what an FHA payment looks like at three Marin County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $1,080,000 | $37,800 | $7,799 |
| Local median — $1,249,125 | $43,719 | $9,002 |
| 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 Marin County too — get notified.
First-time buyers make up much of FHA activity in Marin County and across Marin County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $43,719 needed on a median Marin County home.
Multi-unit FHA limits in Marin County
Looking at a duplex or fourplex near Marin County? FHA allows up to $1,599,225 on two units and $2,402,475 on four in Marin County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in Marin County for 2026?
- In Marin County (Marin 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 Marin County with FHA?
- For a median-priced ($1,249,125) Marin County home, plan on income around $348,000 at a 31% housing ratio — about $9,002/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Marin County?
- 3.5% with a 580+ score — roughly $43,719 on a $1,249,125 Marin County-area home. Gift funds are allowed.
- Is Marin County a high-cost FHA area?
- Yes — Marin County's $1,249,125 one-unit limit tops the $541,287 national floor.