FHA Loan Limits in Warrick County, Indiana (2026)
In Warrick County — anchored by Warrick 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 |
Every community in Warrick County — Warrick County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Marion and Hamilton Counties.
Affording a home in Warrick County & Warrick County
With Warrick County's median sale price estimated near $270,000 (think Warrick County), the FHA down payment is roughly $9,450. Factoring Indiana property taxes near 0.84%, expect about $2,057 monthly, pointing to income near $80,000 — above Indiana's $67,173 median household income, so budget carefully.
FHA payment scenarios in Warrick County
Whether you are buying in Warrick County or a smaller Warrick 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 — $194,000 | $6,790 | $1,511 |
| Local median — $270,000 | $9,450 | $2,057 |
| At the FHA limit — $541,287 | $18,945 | $4,007 |
Estimates include FHA MIP plus Indiana property taxes and insurance. Rates move daily near Warrick County too — get notified.
Buyers across Warrick County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $9,450 down payment near Warrick County into little out of pocket.
Multi-unit FHA limits in Warrick County
Investors and house-hackers in Warrick County and across Warrick 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 Warrick County for 2026?
- In Warrick County (Warrick 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 Warrick County with FHA?
- For a median-priced ($270,000) Warrick County home, plan on income around $80,000 at a 31% housing ratio — about $2,057/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Warrick County?
- 3.5% with a 580+ score — roughly $9,450 on a $270,000 Warrick County-area home. Gift funds are allowed.
- Is Warrick County a high-cost FHA area?
- No — Warrick County uses the $541,287 national floor for one unit.