FHA Loan Limits in Morgan County, Indiana (2026)
Morgan County and the rest of Morgan 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 |
From Morgan County to the edges of Morgan County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Marion and Hamilton Counties.
How much home can you afford in Morgan County?
Homes around Morgan County carry an estimated local median near $211,000, so an FHA buyer in Morgan County puts down about $7,385 (3.5%). With Indiana's 0.84% effective property-tax rate, the all-in payment runs near $1,633 a month — comfortable on household income around $63,000, under Indiana's $67,173 median household income.
FHA payment scenarios in Morgan County
Whether you are buying in Morgan County or a smaller Morgan 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 — $152,000 | $5,320 | $1,209 |
| Local median — $211,000 | $7,385 | $1,633 |
| At the FHA limit — $541,287 | $18,945 | $4,007 |
Estimates include FHA MIP plus Indiana property taxes and insurance. Rates move daily near Morgan County too — get notified.
First-time buyers make up much of FHA activity in Morgan County and across Morgan County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $7,385 needed on a median Morgan County home.
Multi-unit FHA limits in Morgan County
Investors and house-hackers in Morgan County and across Morgan 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 Morgan County for 2026?
- In Morgan County (Morgan 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 Morgan County with FHA?
- For a median-priced ($211,000) Morgan County home, plan on income around $63,000 at a 31% housing ratio — about $1,633/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Morgan County?
- 3.5% with a 580+ score — roughly $7,385 on a $211,000 Morgan County-area home. Gift funds are allowed.
- Is Morgan County a high-cost FHA area?
- No — Morgan County uses the $541,287 national floor for one unit.