FHA Loan Limits in Marion County, Florida (2026)
In Marion County — anchored by Marion 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 Southeast.
| 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 |
These 2026 limits apply throughout Marion County, from Marion County outward, and sit alongside the limits set for neighboring Miami-Dade and Broward Counties.
Affording a home in Marion County & Marion County
An FHA buyer near Marion County faces an estimated $300,000 median, a $10,500 down payment, and — after Florida's 0.86% property tax — a monthly cost around $2,278. That suits household income of roughly $88,000, above Florida's $67,917 median household income, so budget carefully.
FHA payment scenarios in Marion County
Here is what an FHA payment looks like at three Marion County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $216,000 | $7,560 | $1,673 |
| Local median — $300,000 | $10,500 | $2,278 |
| At the FHA limit — $541,287 | $18,945 | $4,016 |
Estimates include FHA MIP plus Florida property taxes and insurance. Rates move daily near Marion County too — get notified.
In Marion County and the surrounding Marion County market, FHA's appeal is the math: $10,500 down on a $300,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Marion County
Looking at a duplex or fourplex near Marion County? FHA allows up to $692,997 on two units and $1,041,072 on four in Marion County, with the same low 3.5% down for owner-occupants.
Never Miss an FHA Rate Change
We track HUD and FHA so you can move at the right moment — free, no pressure.
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 Marion County for 2026?
- In Marion County (Marion 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 Marion County with FHA?
- For a median-priced ($300,000) Marion County home, plan on income around $88,000 at a 31% housing ratio — about $2,278/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Marion County?
- 3.5% with a 580+ score — roughly $10,500 on a $300,000 Marion County-area home. Gift funds are allowed.
- Is Marion County a high-cost FHA area?
- No — Marion County uses the $541,287 national floor for one unit.