FHA Loan Limits in Bartholomew County, Indiana (2026)
Bartholomew County and the rest of Bartholomew County, Indiana fall under a 2026 one-unit FHA limit of $541,287. That matches the national FHA floor used across most of the Midwest.
| 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 Bartholomew County, from Bartholomew County outward, and sit alongside the limits set for neighboring Marion and Hamilton Counties.
How much home can you afford in Bartholomew County?
An FHA buyer near Bartholomew County faces an estimated $213,000 median, a $7,455 down payment, and — after Indiana's 0.84% property tax — a monthly cost around $1,648. That suits household income of roughly $64,000, under Indiana's $67,173 median household income.
FHA payment scenarios in Bartholomew County
Here is what an FHA payment looks like at three Bartholomew County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $153,000 | $5,355 | $1,216 |
| Local median — $213,000 | $7,455 | $1,648 |
| At the FHA limit — $541,287 | $18,945 | $4,007 |
Estimates include FHA MIP plus Indiana property taxes and insurance. Rates move daily near Bartholomew County too — get notified.
In Bartholomew County and the surrounding Bartholomew County market, FHA's appeal is the math: $7,455 down on a $213,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Bartholomew County
Looking at a duplex or fourplex near Bartholomew County? FHA allows up to $692,997 on two units and $1,041,072 on four in Bartholomew 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 Bartholomew County for 2026?
- In Bartholomew County (Bartholomew 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 Bartholomew County with FHA?
- For a median-priced ($213,000) Bartholomew County home, plan on income around $64,000 at a 31% housing ratio — about $1,648/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Bartholomew County?
- 3.5% with a 580+ score — roughly $7,455 on a $213,000 Bartholomew County-area home. Gift funds are allowed.
- Is Bartholomew County a high-cost FHA area?
- No — Bartholomew County uses the $541,287 national floor for one unit.