FHA Loan Limits in Delaware County, Indiana (2026)
In Delaware County — anchored by Delaware 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 |
These 2026 limits apply throughout Delaware County, from Delaware County outward, and sit alongside the limits set for neighboring Marion and Hamilton Counties.
Affording a home in Delaware County & Delaware County
Homes around Delaware County carry an estimated local median near $270,000, so an FHA buyer in Delaware County puts down about $9,450 (3.5%). With Indiana's 0.84% effective property-tax rate, the all-in payment runs near $2,057 a month — comfortable on household income around $80,000, above Indiana's $67,173 median household income, so budget carefully.
FHA payment scenarios in Delaware County
FHA payments across Delaware County price points — from entry homes near Delaware County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $194,000 | $6,790 | $1,511 |
| Local median — $270,000 | $9,450 | $2,057 |
| At the FHA limit — $541,287 | $18,945 | $4,007 |
Estimates include FHA MIP plus Indiana property taxes and insurance. Rates move daily near Delaware County too — get notified.
In Delaware County and the surrounding Delaware County market, FHA's appeal is the math: $9,450 down on a $270,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Delaware County
Delaware County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Delaware 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 Delaware County for 2026?
- In Delaware County (Delaware 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 Delaware County with FHA?
- For a median-priced ($270,000) Delaware County home, plan on income around $80,000 at a 31% housing ratio — about $2,057/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Delaware County?
- 3.5% with a 580+ score — roughly $9,450 on a $270,000 Delaware County-area home. Gift funds are allowed.
- Is Delaware County a high-cost FHA area?
- No — Delaware County uses the $541,287 national floor for one unit.