FHA Loan Limits in Kent County, Delaware (2026)
Kent County and the rest of Kent County, Delaware fall under a 2026 one-unit FHA limit of $541,287. That matches the national FHA floor used across most of the Mid-Atlantic.
| 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 Kent County — Kent County — shares the same 2026 FHA limits shown above, which differ from those in adjacent New Castle and Sussex Counties.
How much home can you afford in Kent County?
With Kent County's median sale price estimated near $369,000 (think Kent County), the FHA down payment is roughly $12,915. Factoring Delaware property taxes near 0.58%, expect about $2,689 monthly, pointing to income near $104,000 — above Delaware's $79,325 median household income, so budget carefully.
FHA payment scenarios in Kent County
Here is what an FHA payment looks like at three Kent County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $266,000 | $9,310 | $1,971 |
| Local median — $369,000 | $12,915 | $2,689 |
| At the FHA limit — $541,287 | $18,945 | $3,890 |
Estimates include FHA MIP plus Delaware property taxes and insurance. Rates move daily near Kent County too — get notified.
Buyers across Kent County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $12,915 down payment near Kent County into little out of pocket.
Multi-unit FHA limits in Kent County
Looking at a duplex or fourplex near Kent County? FHA allows up to $692,997 on two units and $1,041,072 on four in Kent 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 Kent County for 2026?
- In Kent County (Kent 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 Kent County with FHA?
- For a median-priced ($369,000) Kent County home, plan on income around $104,000 at a 31% housing ratio — about $2,689/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Kent County?
- 3.5% with a 580+ score — roughly $12,915 on a $369,000 Kent County-area home. Gift funds are allowed.
- Is Kent County a high-cost FHA area?
- No — Kent County uses the $541,287 national floor for one unit.