FHA Loan Limits in Johnson County, Indiana (2026)
In Johnson County — anchored by Johnson 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 Johnson County, from Johnson County outward, and sit alongside the limits set for neighboring Marion and Hamilton Counties.
Affording a home in Johnson County & Johnson County
An FHA buyer near Johnson County faces an estimated $237,000 median, a $8,295 down payment, and — after Indiana's 0.84% property tax — a monthly cost around $1,820. That suits household income of roughly $70,000, above Indiana's $67,173 median household income, so budget carefully.
FHA payment scenarios in Johnson County
Here is what an FHA payment looks like at three Johnson County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $171,000 | $5,985 | $1,346 |
| Local median — $237,000 | $8,295 | $1,820 |
| At the FHA limit — $541,287 | $18,945 | $4,007 |
Estimates include FHA MIP plus Indiana property taxes and insurance. Rates move daily near Johnson County too — get notified.
In Johnson County and the surrounding Johnson County market, FHA's appeal is the math: $8,295 down on a $237,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Johnson County
Looking at a duplex or fourplex near Johnson County? FHA allows up to $692,997 on two units and $1,041,072 on four in Johnson 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 Johnson County for 2026?
- In Johnson County (Johnson 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 Johnson County with FHA?
- For a median-priced ($237,000) Johnson County home, plan on income around $70,000 at a 31% housing ratio — about $1,820/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Johnson County?
- 3.5% with a 580+ score — roughly $8,295 on a $237,000 Johnson County-area home. Gift funds are allowed.
- Is Johnson County a high-cost FHA area?
- No — Johnson County uses the $541,287 national floor for one unit.