FHA Loan Limits in Dearborn County, Indiana (2026)
In Dearborn County — anchored by Dearborn 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 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 Dearborn County — Dearborn County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Marion and Hamilton Counties.
Affording a home in Dearborn County & Dearborn County
Homes around Dearborn County carry an estimated local median near $272,000, so an FHA buyer in Dearborn County puts down about $9,520 (3.5%). With Indiana's 0.84% effective property-tax rate, the all-in payment runs near $2,072 a month — comfortable on household income around $80,000, above Indiana's $67,173 median household income, so budget carefully.
FHA payment scenarios in Dearborn County
FHA payments across Dearborn County price points — from entry homes near Dearborn County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $196,000 | $6,860 | $1,526 |
| Local median — $272,000 | $9,520 | $2,072 |
| At the FHA limit — $541,287 | $18,945 | $4,007 |
Estimates include FHA MIP plus Indiana property taxes and insurance. Rates move daily near Dearborn County too — get notified.
Buyers across Dearborn County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $9,520 down payment near Dearborn County into little out of pocket.
Multi-unit FHA limits in Dearborn County
Dearborn County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Dearborn 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 Dearborn County for 2026?
- In Dearborn County (Dearborn 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 Dearborn County with FHA?
- For a median-priced ($272,000) Dearborn County home, plan on income around $80,000 at a 31% housing ratio — about $2,072/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Dearborn County?
- 3.5% with a 580+ score — roughly $9,520 on a $272,000 Dearborn County-area home. Gift funds are allowed.
- Is Dearborn County a high-cost FHA area?
- No — Dearborn County uses the $541,287 national floor for one unit.