FHA Loan Limits in San Bernardino County, California (2026)
In San Bernardino County — anchored by San Bernardino County — the 2026 FHA loan limit for a single-family home is $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 San Bernardino County — San Bernardino County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Los Angeles and San Diego Counties.
Affording a home in San Bernardino County & San Bernardino County
With San Bernardino County's median sale price estimated near $500,000 (think San Bernardino County), the FHA down payment is roughly $17,500. Factoring California property taxes near 0.75%, expect about $3,673 monthly, pointing to income near $142,000 — above California's $91,905 median household income, so budget carefully.
FHA payment scenarios in San Bernardino County
FHA payments across San Bernardino County price points — from entry homes near San Bernardino County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $360,000 | $12,600 | $2,677 |
| Local median — $500,000 | $17,500 | $3,673 |
| At the FHA limit — $541,287 | $18,945 | $3,967 |
Estimates include FHA MIP plus California property taxes and insurance. Rates move daily near San Bernardino County too — get notified.
Buyers across San Bernardino County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $17,500 down payment near San Bernardino County into little out of pocket.
Multi-unit FHA limits in San Bernardino County
San Bernardino County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in San Bernardino County can live in one unit and rent the rest to offset the mortgage.
Your Free FHA Early-Warning System
One quick signup and we keep you posted on FHA rate drops, new programs, and requirement changes.
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 San Bernardino County for 2026?
- In San Bernardino County (San Bernardino 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 San Bernardino County with FHA?
- For a median-priced ($500,000) San Bernardino County home, plan on income around $142,000 at a 31% housing ratio — about $3,673/month including taxes, insurance, and MIP.
- How much is the FHA down payment in San Bernardino County?
- 3.5% with a 580+ score — roughly $17,500 on a $500,000 San Bernardino County-area home. Gift funds are allowed.
- Is San Bernardino County a high-cost FHA area?
- No — San Bernardino County uses the $541,287 national floor for one unit.