FHA Loan Limits in Houston County, Georgia (2026)
In Houston County — anchored by Houston 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 |
From Houston County to the edges of Houston County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Fulton and Gwinnett Counties.
Affording a home in Houston County & Houston County
With Houston County's median sale price estimated near $390,000 (think Houston County), the FHA down payment is roughly $13,650. Factoring Georgia property taxes near 0.90%, expect about $2,939 monthly, pointing to income near $114,000 — above Georgia's $71,355 median household income, so budget carefully.
FHA payment scenarios in Houston County
Whether you are buying in Houston County or a smaller Houston County community, here is how an FHA payment scales by price (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $281,000 | $9,835 | $2,151 |
| Local median — $390,000 | $13,650 | $2,939 |
| At the FHA limit — $541,287 | $18,945 | $4,034 |
Estimates include FHA MIP plus Georgia property taxes and insurance. Rates move daily near Houston County too — get notified.
First-time buyers make up much of FHA activity in Houston County and across Houston County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $13,650 needed on a median Houston County home.
Multi-unit FHA limits in Houston County
Investors and house-hackers in Houston County and across Houston County can finance 2-4 unit homes with FHA at just 3.5% down: $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
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Frequently Asked Questions
- What is the FHA loan limit in Houston County for 2026?
- In Houston County (Houston 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 Houston County with FHA?
- For a median-priced ($390,000) Houston County home, plan on income around $114,000 at a 31% housing ratio — about $2,939/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Houston County?
- 3.5% with a 580+ score — roughly $13,650 on a $390,000 Houston County-area home. Gift funds are allowed.
- Is Houston County a high-cost FHA area?
- No — Houston County uses the $541,287 national floor for one unit.