FHA Loan Limits in Kosciusko County, Indiana (2026)
In Kosciusko County — anchored by Kosciusko 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 Kosciusko County, from Kosciusko County outward, and sit alongside the limits set for neighboring Marion and Hamilton Counties.
Affording a home in Kosciusko County & Kosciusko County
An FHA buyer near Kosciusko County faces an estimated $287,000 median, a $10,045 down payment, and — after Indiana's 0.84% property tax — a monthly cost around $2,180. That suits household income of roughly $84,000, above Indiana's $67,173 median household income, so budget carefully.
FHA payment scenarios in Kosciusko County
Whether you are buying in Kosciusko County or a smaller Kosciusko County community, here is how an FHA payment scales by price (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $207,000 | $7,245 | $1,605 |
| Local median — $287,000 | $10,045 | $2,180 |
| At the FHA limit — $541,287 | $18,945 | $4,007 |
Estimates include FHA MIP plus Indiana property taxes and insurance. Rates move daily near Kosciusko County too — get notified.
In Kosciusko County and the surrounding Kosciusko County market, FHA's appeal is the math: $10,045 down on a $287,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Kosciusko County
Investors and house-hackers in Kosciusko County and across Kosciusko County can finance 2-4 unit homes with FHA at just 3.5% down: $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
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Frequently Asked Questions
- What is the FHA loan limit in Kosciusko County for 2026?
- In Kosciusko County (Kosciusko 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 Kosciusko County with FHA?
- For a median-priced ($287,000) Kosciusko County home, plan on income around $84,000 at a 31% housing ratio — about $2,180/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Kosciusko County?
- 3.5% with a 580+ score — roughly $10,045 on a $287,000 Kosciusko County-area home. Gift funds are allowed.
- Is Kosciusko County a high-cost FHA area?
- No — Kosciusko County uses the $541,287 national floor for one unit.