FHA Loan Limits in Indiana (2026)
For 2026, the FHA loan limit in most Indiana counties is $541,287 for a single-family home. Indiana has no designated high-cost counties, so the national floor applies statewide.
FHA loan limits by county in Indiana
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Marion County | $541,287 | $692,997 | $1,041,072 | Standard |
| Lake County | $541,287 | $692,997 | $1,041,072 | Standard |
| Allen County | $541,287 | $692,997 | $1,041,072 | Standard |
| Hamilton County | $541,287 | $692,997 | $1,041,072 | Standard |
| St. Joseph County | $541,287 | $692,997 | $1,041,072 | Standard |
| Elkhart County | $541,287 | $692,997 | $1,041,072 | Standard |
| Tippecanoe County | $541,287 | $692,997 | $1,041,072 | Standard |
| Vanderburgh County | $541,287 | $692,997 | $1,041,072 | Standard |
| Porter County | $541,287 | $692,997 | $1,041,072 | Standard |
| Hendricks County | $541,287 | $692,997 | $1,041,072 | Standard |
| Johnson County | $541,287 | $692,997 | $1,041,072 | Standard |
| Madison County | $541,287 | $692,997 | $1,041,072 | Standard |
| Clark County | $541,287 | $692,997 | $1,041,072 | Standard |
| Delaware County | $541,287 | $692,997 | $1,041,072 | Standard |
| Monroe County | $541,287 | $692,997 | $1,041,072 | Standard |
| Vigo County | $541,287 | $692,997 | $1,041,072 | Standard |
| LaPorte County | $541,287 | $692,997 | $1,041,072 | Standard |
| Howard County | $541,287 | $692,997 | $1,041,072 | Standard |
| Hancock County | $541,287 | $692,997 | $1,041,072 | Standard |
| Bartholomew County | $541,287 | $692,997 | $1,041,072 | Standard |
| Warrick County | $541,287 | $692,997 | $1,041,072 | Standard |
| Boone County | $541,287 | $692,997 | $1,041,072 | Standard |
| Morgan County | $541,287 | $692,997 | $1,041,072 | Standard |
| Wayne County | $541,287 | $692,997 | $1,041,072 | Standard |
| Floyd County | $541,287 | $692,997 | $1,041,072 | Standard |
| Marshall County | $541,287 | $692,997 | $1,041,072 | Standard |
| Kosciusko County | $541,287 | $692,997 | $1,041,072 | Standard |
| Dearborn County | $541,287 | $692,997 | $1,041,072 | Standard |
Buying with an FHA loan in Indiana
FHA loans are popular with first-time buyers in Indiana because they allow a 3.5% down payment, accept credit scores as low as 580, and have flexible debt-to-income guidelines. The county limits above cap how much you can borrow with FHA financing; above those amounts you would need a conventional or jumbo loan.
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Frequently Asked Questions
- What is the FHA loan limit in Indiana for 2026?
- Most Indiana counties use the national FHA floor of $541,287 for a one-unit home.
- What credit score do I need for an FHA loan in Indiana?
- FHA allows a 3.5% down payment with a 580 credit score, or 10% down with scores between 500 and 579. Lenders may set higher minimums.