FHA Loan Limits in Marion County, Indiana (2026)
From Marion County, FHA buyers in Marion County can finance a one-unit home up to $541,287 with 3.5% down in 2026. 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 |
From Marion County to the edges of Marion County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Hamilton and Lake Counties.
What can you buy with FHA in Marion County?
With Marion County's median sale price estimated near $235,000 (think Marion County), the FHA down payment is roughly $8,225. Factoring Indiana property taxes near 0.84%, expect about $1,806 monthly, pointing to income near $70,000 — above Indiana's $67,173 median household income, so budget carefully.
FHA payment scenarios in Marion County
FHA payments across Marion County price points — from entry homes near Marion County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $169,000 | $5,915 | $1,331 |
| Local median — $235,000 | $8,225 | $1,806 |
| At the FHA limit — $541,287 | $18,945 | $4,007 |
Estimates include FHA MIP plus Indiana property taxes and insurance. Rates move daily near Marion County too — get notified.
First-time buyers make up much of FHA activity in Marion County and across Marion County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $8,225 needed on a median Marion County home.
Multi-unit FHA limits in Marion County
Marion County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Marion 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 Marion County for 2026?
- In Marion County (Marion 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 Marion County with FHA?
- For a median-priced ($235,000) Marion County home, plan on income around $70,000 at a 31% housing ratio — about $1,806/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Marion County?
- 3.5% with a 580+ score — roughly $8,225 on a $235,000 Marion County-area home. Gift funds are allowed.
- Is Marion County a high-cost FHA area?
- No — Marion County uses the $541,287 national floor for one unit.