FHA Loan Limits in Henry County, Georgia (2026)
Buying in Henry County or elsewhere in Henry County? The 2026 FHA single-family limit across the county 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 |
From Henry County to the edges of Henry County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Fulton and Gwinnett Counties.
FHA affordability around Henry County
Homes around Henry County carry an estimated local median near $360,000, so an FHA buyer in Henry County puts down about $12,600 (3.5%). With Georgia's 0.90% effective property-tax rate, the all-in payment runs near $2,722 a month — comfortable on household income around $105,000, above Georgia's $71,355 median household income, so budget carefully.
FHA payment scenarios in Henry County
Here is what an FHA payment looks like at three Henry County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $259,000 | $9,065 | $1,991 |
| Local median — $360,000 | $12,600 | $2,722 |
| At the FHA limit — $541,287 | $18,945 | $4,034 |
Estimates include FHA MIP plus Georgia property taxes and insurance. Rates move daily near Henry County too — get notified.
First-time buyers make up much of FHA activity in Henry County and across Henry County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $12,600 needed on a median Henry County home.
Multi-unit FHA limits in Henry County
Looking at a duplex or fourplex near Henry County? FHA allows up to $692,997 on two units and $1,041,072 on four in Henry 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 Henry County for 2026?
- In Henry County (Henry 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 Henry County with FHA?
- For a median-priced ($360,000) Henry County home, plan on income around $105,000 at a 31% housing ratio — about $2,722/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Henry County?
- 3.5% with a 580+ score — roughly $12,600 on a $360,000 Henry County-area home. Gift funds are allowed.
- Is Henry County a high-cost FHA area?
- No — Henry County uses the $541,287 national floor for one unit.