FHA Loan Limits in Clark County, Indiana (2026)
Buying in Clark County or elsewhere in Clark County? The 2026 FHA single-family limit across the county is $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 |
Every community in Clark County — Clark County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Marion and Hamilton Counties.
FHA affordability around Clark County
Homes around Clark County carry an estimated local median near $253,000, so an FHA buyer in Clark County puts down about $8,855 (3.5%). With Indiana's 0.84% effective property-tax rate, the all-in payment runs near $1,935 a month — comfortable on household income around $75,000, above Indiana's $67,173 median household income, so budget carefully.
FHA payment scenarios in Clark County
FHA payments across Clark County price points — from entry homes near Clark County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $182,000 | $6,370 | $1,425 |
| Local median — $253,000 | $8,855 | $1,935 |
| At the FHA limit — $541,287 | $18,945 | $4,007 |
Estimates include FHA MIP plus Indiana property taxes and insurance. Rates move daily near Clark County too — get notified.
Buyers across Clark County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $8,855 down payment near Clark County into little out of pocket.
Multi-unit FHA limits in Clark County
Clark County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Clark County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in Clark County for 2026?
- In Clark County (Clark 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 Clark County with FHA?
- For a median-priced ($253,000) Clark County home, plan on income around $75,000 at a 31% housing ratio — about $1,935/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Clark County?
- 3.5% with a 580+ score — roughly $8,855 on a $253,000 Clark County-area home. Gift funds are allowed.
- Is Clark County a high-cost FHA area?
- No — Clark County uses the $541,287 national floor for one unit.