FHA Loan Limits in Calcasieu County, Louisiana (2026)
From Calcasieu County, FHA buyers in Calcasieu 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 South.
| 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 Calcasieu County to the edges of Calcasieu County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby East Baton Rouge and Jefferson Counties.
What can you buy with FHA in Calcasieu County?
With Calcasieu County's median sale price estimated near $191,000 (think Calcasieu County), the FHA down payment is roughly $6,685. Factoring Louisiana property taxes near 0.56%, expect about $1,445 monthly, pointing to income near $56,000 — under Louisiana's $57,852 median household income.
FHA payment scenarios in Calcasieu County
Here is what an FHA payment looks like at three Calcasieu County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $138,000 | $4,830 | $1,076 |
| Local median — $191,000 | $6,685 | $1,445 |
| At the FHA limit — $541,287 | $18,945 | $3,881 |
Estimates include FHA MIP plus Louisiana property taxes and insurance. Rates move daily near Calcasieu County too — get notified.
First-time buyers make up much of FHA activity in Calcasieu County and across Calcasieu County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $6,685 needed on a median Calcasieu County home.
Multi-unit FHA limits in Calcasieu County
Looking at a duplex or fourplex near Calcasieu County? FHA allows up to $692,997 on two units and $1,041,072 on four in Calcasieu County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in Calcasieu County for 2026?
- In Calcasieu County (Calcasieu 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 Calcasieu County with FHA?
- For a median-priced ($191,000) Calcasieu County home, plan on income around $56,000 at a 31% housing ratio — about $1,445/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Calcasieu County?
- 3.5% with a 580+ score — roughly $6,685 on a $191,000 Calcasieu County-area home. Gift funds are allowed.
- Is Calcasieu County a high-cost FHA area?
- No — Calcasieu County uses the $541,287 national floor for one unit.