FHA Loan Limits in Windham County, Connecticut (2026)
Windham County and the rest of Windham 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 |
Every community in Windham County — Windham County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Fairfield and Hartford Counties.
How much home can you afford in Windham County?
With Windham County's median sale price estimated near $437,000 (think Windham County), the FHA down payment is roughly $15,295. Factoring Connecticut property taxes near 2.15%, expect about $3,735 monthly, pointing to income near $145,000 — above Connecticut's $90,213 median household income, so budget carefully.
FHA payment scenarios in Windham County
FHA payments across Windham County price points — from entry homes near Windham County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $315,000 | $11,025 | $2,725 |
| Local median — $437,000 | $15,295 | $3,735 |
| At the FHA limit — $541,287 | $18,945 | $4,598 |
Estimates include FHA MIP plus Connecticut property taxes and insurance. Rates move daily near Windham County too — get notified.
Buyers across Windham County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $15,295 down payment near Windham County into little out of pocket.
Multi-unit FHA limits in Windham County
Windham County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Windham 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 Windham County for 2026?
- In Windham County (Windham 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 Windham County with FHA?
- For a median-priced ($437,000) Windham County home, plan on income around $145,000 at a 31% housing ratio — about $3,735/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Windham County?
- 3.5% with a 580+ score — roughly $15,295 on a $437,000 Windham County-area home. Gift funds are allowed.
- Is Windham County a high-cost FHA area?
- No — Windham County uses the $541,287 national floor for one unit.