FHA Loan Limits in Lafayette County, Louisiana (2026)
Buying in Lafayette County or elsewhere in Lafayette County? The 2026 FHA single-family limit across the county is $541,287. 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 |
Every community in Lafayette County — Lafayette County — shares the same 2026 FHA limits shown above, which differ from those in adjacent East Baton Rouge and Jefferson Counties.
FHA affordability around Lafayette County
With Lafayette County's median sale price estimated near $213,000 (think Lafayette County), the FHA down payment is roughly $7,455. Factoring Louisiana property taxes near 0.56%, expect about $1,598 monthly, pointing to income near $62,000 — above Louisiana's $57,852 median household income, so budget carefully.
FHA payment scenarios in Lafayette County
Here is what an FHA payment looks like at three Lafayette County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $153,000 | $5,355 | $1,181 |
| Local median — $213,000 | $7,455 | $1,598 |
| At the FHA limit — $541,287 | $18,945 | $3,881 |
Estimates include FHA MIP plus Louisiana property taxes and insurance. Rates move daily near Lafayette County too — get notified.
Buyers across Lafayette County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $7,455 down payment near Lafayette County into little out of pocket.
Multi-unit FHA limits in Lafayette County
Looking at a duplex or fourplex near Lafayette County? FHA allows up to $692,997 on two units and $1,041,072 on four in Lafayette 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 Lafayette County for 2026?
- In Lafayette County (Lafayette 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 Lafayette County with FHA?
- For a median-priced ($213,000) Lafayette County home, plan on income around $62,000 at a 31% housing ratio — about $1,598/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Lafayette County?
- 3.5% with a 580+ score — roughly $7,455 on a $213,000 Lafayette County-area home. Gift funds are allowed.
- Is Lafayette County a high-cost FHA area?
- No — Lafayette County uses the $541,287 national floor for one unit.