FHA Loan Limits in New London County, Connecticut (2026)
New London County and the rest of New London County, Connecticut fall under a 2026 one-unit FHA limit of $541,287. That matches the national FHA floor used across most of New England.
| 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 |
From New London County to the edges of New London County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Fairfield and Hartford Counties.
How much home can you afford in New London County?
Homes around New London County carry an estimated local median near $375,000, so an FHA buyer in New London County puts down about $13,125 (3.5%). With Connecticut's 2.15% effective property-tax rate, the all-in payment runs near $3,222 a month — comfortable on household income around $125,000, above Connecticut's $90,213 median household income, so budget carefully.
FHA payment scenarios in New London County
FHA payments across New London County price points — from entry homes near New London County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $270,000 | $9,450 | $2,352 |
| Local median — $375,000 | $13,125 | $3,222 |
| At the FHA limit — $541,287 | $18,945 | $4,598 |
Estimates include FHA MIP plus Connecticut property taxes and insurance. Rates move daily near New London County too — get notified.
First-time buyers make up much of FHA activity in New London County and across New London County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $13,125 needed on a median New London County home.
Multi-unit FHA limits in New London County
New London County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in New London 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 New London County for 2026?
- In New London County (New London 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 New London County with FHA?
- For a median-priced ($375,000) New London County home, plan on income around $125,000 at a 31% housing ratio — about $3,222/month including taxes, insurance, and MIP.
- How much is the FHA down payment in New London County?
- 3.5% with a 580+ score — roughly $13,125 on a $375,000 New London County-area home. Gift funds are allowed.
- Is New London County a high-cost FHA area?
- No — New London County uses the $541,287 national floor for one unit.