FHA Loan Limits in Jefferson County, Louisiana (2026)
From Jefferson County, FHA buyers in Jefferson 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 Jefferson County to the edges of Jefferson County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby East Baton Rouge and Orleans Counties.
What can you buy with FHA in Jefferson County?
An FHA buyer near Jefferson County faces an estimated $250,000 median, a $8,750 down payment, and — after Louisiana's 0.56% property tax — a monthly cost around $1,855. That suits household income of roughly $72,000, above Louisiana's $57,852 median household income, so budget carefully.
FHA payment scenarios in Jefferson County
Whether you are buying in Jefferson County or a smaller Jefferson 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 — $180,000 | $6,300 | $1,368 |
| Local median — $250,000 | $8,750 | $1,855 |
| At the FHA limit — $541,287 | $18,945 | $3,881 |
Estimates include FHA MIP plus Louisiana property taxes and insurance. Rates move daily near Jefferson County too — get notified.
First-time buyers make up much of FHA activity in Jefferson County and across Jefferson County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $8,750 needed on a median Jefferson County home.
Multi-unit FHA limits in Jefferson County
Investors and house-hackers in Jefferson County and across Jefferson 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 Jefferson County for 2026?
- In Jefferson County (Jefferson 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 Jefferson County with FHA?
- For a median-priced ($250,000) Jefferson County home, plan on income around $72,000 at a 31% housing ratio — about $1,855/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Jefferson County?
- 3.5% with a 580+ score — roughly $8,750 on a $250,000 Jefferson County-area home. Gift funds are allowed.
- Is Jefferson County a high-cost FHA area?
- No — Jefferson County uses the $541,287 national floor for one unit.