FHA Loan Limits in Floyd County, Indiana (2026)
Floyd County and the rest of Floyd 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 |
Every community in Floyd County — Floyd County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Marion and Hamilton Counties.
How much home can you afford in Floyd County?
With Floyd County's median sale price estimated near $268,000 (think Floyd County), the FHA down payment is roughly $9,380. Factoring Indiana property taxes near 0.84%, expect about $2,043 monthly, pointing to income near $79,000 — above Indiana's $67,173 median household income, so budget carefully.
FHA payment scenarios in Floyd County
Here is what an FHA payment looks like at three Floyd County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $193,000 | $6,755 | $1,504 |
| Local median — $268,000 | $9,380 | $2,043 |
| At the FHA limit — $541,287 | $18,945 | $4,007 |
Estimates include FHA MIP plus Indiana property taxes and insurance. Rates move daily near Floyd County too — get notified.
Buyers across Floyd County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $9,380 down payment near Floyd County into little out of pocket.
Multi-unit FHA limits in Floyd County
Looking at a duplex or fourplex near Floyd County? FHA allows up to $692,997 on two units and $1,041,072 on four in Floyd 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 Floyd County for 2026?
- In Floyd County (Floyd 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 Floyd County with FHA?
- For a median-priced ($268,000) Floyd County home, plan on income around $79,000 at a 31% housing ratio — about $2,043/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Floyd County?
- 3.5% with a 580+ score — roughly $9,380 on a $268,000 Floyd County-area home. Gift funds are allowed.
- Is Floyd County a high-cost FHA area?
- No — Floyd County uses the $541,287 national floor for one unit.