FHA Loan Limits in Ouachita County, Louisiana (2026)
From Ouachita County, FHA buyers in Ouachita 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 |
Every community in Ouachita County — Ouachita County — shares the same 2026 FHA limits shown above, which differ from those in adjacent East Baton Rouge and Jefferson Counties.
What can you buy with FHA in Ouachita County?
An FHA buyer near Ouachita County faces an estimated $198,000 median, a $6,930 down payment, and — after Louisiana's 0.56% property tax — a monthly cost around $1,494. That suits household income of roughly $58,000, above Louisiana's $57,852 median household income, so budget carefully.
FHA payment scenarios in Ouachita County
FHA payments across Ouachita County price points — from entry homes near Ouachita County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $143,000 | $5,005 | $1,111 |
| Local median — $198,000 | $6,930 | $1,494 |
| At the FHA limit — $541,287 | $18,945 | $3,881 |
Estimates include FHA MIP plus Louisiana property taxes and insurance. Rates move daily near Ouachita County too — get notified.
Buyers across Ouachita County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $6,930 down payment near Ouachita County into little out of pocket.
Multi-unit FHA limits in Ouachita County
Ouachita County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Ouachita County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in Ouachita County for 2026?
- In Ouachita County (Ouachita 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 Ouachita County with FHA?
- For a median-priced ($198,000) Ouachita County home, plan on income around $58,000 at a 31% housing ratio — about $1,494/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Ouachita County?
- 3.5% with a 580+ score — roughly $6,930 on a $198,000 Ouachita County-area home. Gift funds are allowed.
- Is Ouachita County a high-cost FHA area?
- No — Ouachita County uses the $541,287 national floor for one unit.