FHA Loan Limits in Marshall County, Indiana (2026)
From Marshall County, FHA buyers in Marshall 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 Marshall County to the edges of Marshall County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Marion and Hamilton Counties.
What can you buy with FHA in Marshall County?
Homes around Marshall County carry an estimated local median near $232,000, so an FHA buyer in Marshall County puts down about $8,120 (3.5%). With Indiana's 0.84% effective property-tax rate, the all-in payment runs near $1,784 a month — comfortable on household income around $69,000, above Indiana's $67,173 median household income, so budget carefully.
FHA payment scenarios in Marshall County
Whether you are buying in Marshall County or a smaller Marshall 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 — $167,000 | $5,845 | $1,317 |
| Local median — $232,000 | $8,120 | $1,784 |
| At the FHA limit — $541,287 | $18,945 | $4,007 |
Estimates include FHA MIP plus Indiana property taxes and insurance. Rates move daily near Marshall County too — get notified.
First-time buyers make up much of FHA activity in Marshall County and across Marshall County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $8,120 needed on a median Marshall County home.
Multi-unit FHA limits in Marshall County
Investors and house-hackers in Marshall County and across Marshall 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 Marshall County for 2026?
- In Marshall County (Marshall 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 Marshall County with FHA?
- For a median-priced ($232,000) Marshall County home, plan on income around $69,000 at a 31% housing ratio — about $1,784/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Marshall County?
- 3.5% with a 580+ score — roughly $8,120 on a $232,000 Marshall County-area home. Gift funds are allowed.
- Is Marshall County a high-cost FHA area?
- No — Marshall County uses the $541,287 national floor for one unit.